<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.2.0.5 -->
<!--Based on XBRL 2.1-->
<!--Created on: 3/12/2026 6:17:04 PM-->
<!--Modified on: 3/12/2026 6:17:04 PM-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#StatementConsolidatedStatementsOfCondition" roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCondition" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#StatementConsolidatedStatementsOfOperations" roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfOperations" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#StatementConsolidatedStatementsOfComprehensiveIncome" roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#StatementConsolidatedStatementsOfCashFlows" roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCashFlows" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureInvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureInvestmentSecuritiesEstimatedFairValueAndGrossUnrealizedLossesDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesEstimatedFairValueAndGrossUnrealizedLossesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureInvestmentSecuritiesContractualMaturityDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesContractualMaturityDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureNetLoansReceivableBalanceInAllowanceForLoanLossesAndRecordedInvestmentDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableBalanceInAllowanceForLoanLossesAndRecordedInvestmentDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureNetLoansReceivableRiskDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableRiskDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureDerivativesHedgingInstrumentsDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureDerivativesHedgingInstrumentsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosurePremisesAndEquipmentSummaryDetails" roleURI="http://www.pioneerbnk.com/role/DisclosurePremisesAndEquipmentSummaryDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureGoodwillAndOtherIntangibleAssetsOtherIntangibleAssetsDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureGoodwillAndOtherIntangibleAssetsOtherIntangibleAssetsDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureDepositsSummaryDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureDepositsSummaryDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureDepositsMaturitiesDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureDepositsMaturitiesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureOtherComprehensiveIncomeAllocatedComponentOfOciDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeAllocatedComponentOfOciDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureEmployeeBenefitPlansNetPeriodicPensionCostDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansNetPeriodicPensionCostDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureEmployeeBenefitPlansEmployeeStockOwnershipPlanDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansEmployeeStockOwnershipPlanDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureIncomeTaxesReconciliationDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureIncomeTaxesReconciliationDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureIncomeTaxesDeferredTaxAssetsAndDeferredTaxLiabilitiesDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureIncomeTaxesDeferredTaxAssetsAndDeferredTaxLiabilitiesDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureCommitmentsAndContingentLiabilitiesOffBalanceSheetFinancingDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesOffBalanceSheetFinancingDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureFairValueRecurringBasisDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueRecurringBasisDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureRevenueRecognitionDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureRevenueRecognitionDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureLeasesQuantitativeDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureLeasesQuantitativeDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureLeasesMaturityDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureLeasesMaturityDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureLeasesMaturityDetailsCalc2" roleURI="http://www.pioneerbnk.com/role/DisclosureLeasesMaturityDetailsCalc2" xmlns="http://www.xbrl.org/2003/linkbase" />
  <roleRef xlink:type="simple" xlink:href="pbfs-20251231.xsd#DisclosureEarningsPerShareDetails" roleURI="http://www.pioneerbnk.com/role/DisclosureEarningsPerShareDetails" xmlns="http://www.xbrl.org/2003/linkbase" />
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item" />
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCondition" xlink:type="extended" xlink:title="995200100 - Statement - CONSOLIDATED STATEMENTS OF CONDITION" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets_639089362089164268" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherAssets_639089362089164268" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIntangibleAssetsNet" xlink:label="us-gaap_OtherIntangibleAssetsNet_639089362089164268" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_OtherIntangibleAssetsNet_639089362089164268" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill_639089362089164268" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Goodwill_639089362089164268" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="us-gaap_BankOwnedLifeInsurance_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_BankOwnedLifeInsurance_639089362089320549" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization" xlink:label="us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_639089362089320549" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_InterestReceivable_639089362089320549" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_639089362089320549" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:label="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_639089362089320549" order="8" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_639089362089320549" order="9" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_639089362089320549" order="10" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold" xlink:label="us-gaap_CashCashEquivalentsAndFederalFundsSold_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_CashCashEquivalentsAndFederalFundsSold_639089362089320549" order="11" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="us-gaap_InterestBearingDepositsInBanks_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsAndFederalFundsSold_639089362089320549" xlink:to="us-gaap_InterestBearingDepositsInBanks_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsSold" xlink:label="us-gaap_FederalFundsSold_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsAndFederalFundsSold_639089362089320549" xlink:to="us-gaap_FederalFundsSold_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndDueFromBanks" xlink:label="us-gaap_CashAndDueFromBanks_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_CashCashEquivalentsAndFederalFundsSold_639089362089320549" xlink:to="us-gaap_CashAndDueFromBanks_639089362089320549" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="LiabilitiesAndStockholdersEquity" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits" xlink:label="us-gaap_Deposits_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639089362089320549" xlink:to="us-gaap_Deposits_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="us-gaap_NoninterestBearingDepositLiabilities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Deposits_639089362089320549" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="us-gaap_InterestBearingDepositLiabilities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Deposits_639089362089320549" xlink:to="us-gaap_InterestBearingDepositLiabilities_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFundsPurchased" xlink:label="us-gaap_FederalFundsPurchased_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639089362089320549" xlink:to="us-gaap_FederalFundsPurchased_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_MortgagorsEscrowDeposits" xlink:label="pbfs_MortgagorsEscrowDeposits_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639089362089320549" xlink:to="pbfs_MortgagorsEscrowDeposits_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_Liabilities_639089362089320549" xlink:to="us-gaap_OtherLiabilities_639089362089320549" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquity_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_CommonStockValue_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_PreferredStockValue_639089362089320549" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_639089362089320549" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredCompensationEquity" xlink:label="us-gaap_DeferredCompensationEquity_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_StockholdersEquity_639089362089320549" xlink:to="us-gaap_DeferredCompensationEquity_639089362089320549" order="6" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfOperations" xlink:type="extended" xlink:title="995200200 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="NetIncomeLoss" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639089362089320549" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_ProvisionForCreditLosses" xlink:label="pbfs_ProvisionForCreditLosses_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_639089362089320549" xlink:to="pbfs_ProvisionForCreditLosses_639089362089320549" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_639089362089320549" xlink:to="us-gaap_InterestIncomeExpenseNet_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating" xlink:label="us-gaap_InterestExpenseOperating_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseNet_639089362089320549" xlink:to="us-gaap_InterestExpenseOperating_639089362089320549" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_InterestExpenseBorrowingsAndOther" xlink:label="pbfs_InterestExpenseBorrowingsAndOther_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestExpenseOperating_639089362089320549" xlink:to="pbfs_InterestExpenseBorrowingsAndOther_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits" xlink:label="us-gaap_InterestExpenseDeposits_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestExpenseOperating_639089362089320549" xlink:to="us-gaap_InterestExpenseDeposits_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="us-gaap_InterestAndDividendIncomeOperating_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestIncomeExpenseNet_639089362089320549" xlink:to="us-gaap_InterestAndDividendIncomeOperating_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeSecurities" xlink:label="us-gaap_InterestAndDividendIncomeSecurities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestAndDividendIncomeOperating_639089362089320549" xlink:to="us-gaap_InterestAndDividendIncomeSecurities_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestAndDividendIncomeOperating_639089362089320549" xlink:to="us-gaap_InterestAndFeeIncomeLoansAndLeases_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:label="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_InterestAndDividendIncomeOperating_639089362089320549" xlink:to="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense" xlink:label="us-gaap_NoninterestExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639089362089320549" xlink:to="us-gaap_NoninterestExpense_639089362089320549" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InformationTechnologyAndDataProcessing" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="us-gaap_LaborAndRelatedExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_LaborAndRelatedExpense_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingAndAdvertisingExpense" xlink:label="us-gaap_MarketingAndAdvertisingExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_MarketingAndAdvertisingExpense_639089362089320549" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xlink:label="us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_639089362089320549" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees" xlink:label="us-gaap_ProfessionalFees_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_ProfessionalFees_639089362089320549" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillImpairmentLoss" xlink:label="us-gaap_GoodwillImpairmentLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_GoodwillImpairmentLoss_639089362089320549" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OccupancyNet" xlink:label="us-gaap_OccupancyNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_OccupancyNet_639089362089320549" order="8" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherNoninterestExpense" xlink:label="us-gaap_OtherNoninterestExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestExpense_639089362089320549" xlink:to="us-gaap_OtherNoninterestExpense_639089362089320549" order="9" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_639089362089320549" xlink:to="us-gaap_NoninterestIncome_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="us-gaap_EquitySecuritiesFvNiGainLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_EquitySecuritiesFvNiGainLoss_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InsuranceServicesRevenue" xlink:label="us-gaap_InsuranceServicesRevenue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_InsuranceServicesRevenue_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentBankingRevenue" xlink:label="us-gaap_InvestmentBankingRevenue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_InvestmentBankingRevenue_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_639089362089320549" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossRelatedToLitigationSettlement" xlink:label="us-gaap_GainLossRelatedToLitigationSettlement_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_GainLossRelatedToLitigationSettlement_639089362089320549" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome_639089362089320549" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_639089362089320549" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="NetIncomeLoss" xlink:to="us-gaap_IncomeTaxExpenseBenefit_639089362089320549" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended" xlink:title="995200300 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="ComprehensiveIncomeNetOfTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_NetIncomeLoss_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTax_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_639089362089320549" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089320549" order="2" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_639089362089320549" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsAndTax_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentNetOfTax_639089362089320549" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089320549" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCashFlows" xlink:type="extended" xlink:title="995200500 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_IncreaseDecreaseInDeposits_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_ProceedsFromPaymentsForFederalHomeLoanBankAdvances" xlink:label="pbfs_ProceedsFromPaymentsForFederalHomeLoanBankAdvances_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="pbfs_ProceedsFromPaymentsForFederalHomeLoanBankAdvances_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromStockOptionsExercised_639089362089320549" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:label="us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_639089362089320549" order="4" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeasePrincipalPayments" xlink:label="us-gaap_FinanceLeasePrincipalPayments_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_FinanceLeasePrincipalPayments_639089362089320549" order="5" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock_639089362089320549" order="6" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_IncreaseDecreaseInMortgagorsEscrowDeposits" xlink:label="pbfs_IncreaseDecreaseInMortgagorsEscrowDeposits_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="pbfs_IncreaseDecreaseInMortgagorsEscrowDeposits_639089362089320549" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities" xlink:label="us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities_639089362089320549" xlink:to="us-gaap_PaymentForContingentConsiderationLiabilityFinancingActivities_639089362089320549" order="8" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_639089362089320549" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_639089362089320549" order="4" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_639089362089320549" order="5" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_ProceedsFromSaleOfEquitySecurities" xlink:label="pbfs_ProceedsFromSaleOfEquitySecurities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="pbfs_ProceedsFromSaleOfEquitySecurities_639089362089320549" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock" xlink:label="pbfs_PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="pbfs_PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock_639089362089320549" order="7" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_PaymentsForProceedsFromLoansReceivable_639089362089320549" order="8" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_PaymentsToAcquirePropertyPlantAndEquipmentNet" xlink:label="pbfs_PaymentsToAcquirePropertyPlantAndEquipmentNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="pbfs_PaymentsToAcquirePropertyPlantAndEquipmentNet_639089362089320549" order="9" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_639089362089320549" order="10" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:label="us-gaap_ProceedsFromLifeInsurancePolicies_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromLifeInsurancePolicies_639089362089320549" order="11" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_ProceedsFromSaleOfOtherRealEstate_639089362089320549" order="12" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireBusinessesGross" xlink:label="us-gaap_PaymentsToAcquireBusinessesGross_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities_639089362089320549" xlink:to="us-gaap_PaymentsToAcquireBusinessesGross_639089362089320549" order="13" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_BankOwnedLifeInsuranceIncomeExpense" xlink:label="pbfs_BankOwnedLifeInsuranceIncomeExpense_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="pbfs_BankOwnedLifeInsuranceIncomeExpense_639089362089320549" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillImpairmentLoss" xlink:label="us-gaap_GoodwillImpairmentLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_GoodwillImpairmentLoss_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnTerminationOfLease" xlink:label="us-gaap_GainLossOnTerminationOfLease_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_GainLossOnTerminationOfLease_639089362089320549" order="3" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_639089362089320549" order="4" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_639089362089320549" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_639089362089320549" order="6" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_639089362089320549" order="7" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_GainsLossesOnSalesOfOtherRealEstate_639089362089320549" order="8" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_ShareBasedCompensation_639089362089320549" order="9" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_639089362089320549" order="10" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAndAmortization" xlink:label="us-gaap_DepreciationAndAmortization_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_DepreciationAndAmortization_639089362089320549" order="11" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash" xlink:label="pbfs_EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="pbfs_EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash_639089362089320549" order="12" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_639089362089320549" order="13" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_ProfitLoss_639089362089320549" order="14" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiGainLoss" xlink:label="us-gaap_EquitySecuritiesFvNiGainLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_EquitySecuritiesFvNiGainLoss_639089362089320549" order="15" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_ProvisionForCreditLosses" xlink:label="pbfs_ProvisionForCreditLosses_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="pbfs_ProvisionForCreditLosses_639089362089320549" order="16" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOperatingLeaseLiability" xlink:label="us-gaap_IncreaseDecreaseInOperatingLeaseLiability_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_IncreaseDecreaseInOperatingLeaseLiability_639089362089320549" order="17" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_ProceedsFromSaleOfLoans" xlink:label="pbfs_ProceedsFromSaleOfLoans_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="pbfs_ProceedsFromSaleOfLoans_639089362089320549" order="18" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:label="us-gaap_GainLossOnSalesOfLoansNet_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_639089362089320549" order="19" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments" xlink:label="us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments_639089362089320549" order="20" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities_639089362089320549" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_639089362089320549" order="21" use="optional" weight="-1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails" xlink:type="extended" xlink:title="99940401 - Disclosure - INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_1" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_639089362089320549" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_1" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_639089362089320549" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" xlink:to="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_639089362089320549" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_639089362089320549" order="3" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesEstimatedFairValueAndGrossUnrealizedLossesDetails" xlink:type="extended" xlink:title="99940403 - Disclosure - INVESTMENT SECURITIES - Estimated Fair Value and Gross Unrealized Losses (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_639089362089320549" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_639089362089320549" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" xlink:label="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" xlink:label="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" xlink:to="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" xlink:label="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" xlink:to="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" xlink:label="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue" xlink:label="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" xlink:to="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue" xlink:label="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" xlink:to="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue_639089362089320549" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesContractualMaturityDetails" xlink:type="extended" xlink:title="99940404 - Disclosure - INVESTMENT SECURITIES - Contractual Maturity (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_639089362089320549" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_639089362089320549" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_639089362089320549" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_639089362089320549" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_639089362089320549" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_639089362089320549" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_639089362089476797" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_639089362089476797" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_639089362089476797" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10" xlink:label="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_639089362089476797" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="HeldToMaturitySecuritiesFairValue" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_639089362089476797" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_639089362089476797" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="HeldToMaturitySecuritiesFairValue" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_639089362089476797" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableBalanceInAllowanceForLoanLossesAndRecordedInvestmentDetails" xlink:type="extended" xlink:title="99940503 - Disclosure - NET LOANS RECEIVABLE - Balance in Allowance for Loan Losses and recorded Investment (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" xlink:label="pbfs_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_1" xlink:to="pbfs_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment_639089362089476797" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" xlink:label="pbfs_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_1" xlink:to="pbfs_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment_639089362089476797" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivablesIndividuallyEvaluatedForImpairment" xlink:label="pbfs_FinancingReceivablesIndividuallyEvaluatedForImpairment_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_2" xlink:to="pbfs_FinancingReceivablesIndividuallyEvaluatedForImpairment_639089362089476797" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivablesCollectivelyEvaluatedForImpairment" xlink:label="pbfs_FinancingReceivablesCollectivelyEvaluatedForImpairment_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_2" xlink:to="pbfs_FinancingReceivablesCollectivelyEvaluatedForImpairment_639089362089476797" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableRiskDetails" xlink:type="extended" xlink:title="99940508 - Disclosure - NET LOANS RECEIVABLE - Risk (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_639089362089476797" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoffTransitionPeriod" xlink:label="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoffTransitionPeriod_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoffTransitionPeriod_639089362089476797" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_639089362089476797" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_639089362089476797" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_639089362089476797" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff" xlink:label="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff_639089362089476797" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_639089362089476797" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_639089362089476797" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearTransitionPeriod" xlink:label="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearTransitionPeriod_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="pbfs_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearTransitionPeriod_639089362089476797" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_639089362089476797" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" xlink:label="pbfs_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="pbfs_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod_639089362089476797" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_639089362089476797" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_639089362089476797" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear" xlink:label="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear_639089362089476797" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_639089362089476797" order="8" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_639089362089476797" order="9" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureDerivativesHedgingInstrumentsDetails" xlink:type="extended" xlink:title="99940602 - Disclosure - DERIVATIVES - Hedging Instruments (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:label="DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="us-gaap_DerivativeFairValueOfDerivativeAsset_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeFairValueOfDerivativeAsset_639089362089476797" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability" xlink:label="us-gaap_DerivativeAssetFairValueGrossLiability_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeAssetFairValueGrossLiability_639089362089476797" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnCash" xlink:label="us-gaap_DerivativeCollateralObligationToReturnCash_639089362089476797" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeCollateralObligationToReturnCash_639089362089476797" order="3" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:label="DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="us-gaap_DerivativeFairValueOfDerivativeLiability_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeFairValueOfDerivativeLiability_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:label="us-gaap_DerivativeLiabilityFairValueGrossAsset_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeLiabilityFairValueGrossAsset_639089362089668997" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash" xlink:label="us-gaap_DerivativeCollateralRightToReclaimCash_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="us-gaap_DerivativeCollateralRightToReclaimCash_639089362089668997" order="3" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosurePremisesAndEquipmentSummaryDetails" xlink:type="extended" xlink:title="99940701 - Disclosure - PREMISES AND EQUIPMENT - Summary (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization" xlink:label="us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_RightOfUseAssets" xlink:label="pbfs_RightOfUseAssets_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_1" xlink:to="pbfs_RightOfUseAssets_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_1" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet_639089362089668997" xlink:to="us-gaap_PropertyPlantAndEquipmentGross_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_PropertyPlantAndEquipmentNet_639089362089668997" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_639089362089668997" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureGoodwillAndOtherIntangibleAssetsOtherIntangibleAssetsDetails" xlink:type="extended" xlink:title="99940803 - Disclosure - GOODWILL AND OTHER INTANGIBLE ASSETS - Other Intangible Assets (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="FiniteLivedIntangibleAssetsNet" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="us-gaap_FiniteLivedIntangibleAssetsGross_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_639089362089668997" order="2" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureDepositsSummaryDetails" xlink:type="extended" xlink:title="99940901 - Disclosure - DEPOSITS - Summary (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="InterestBearingDepositLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:label="us-gaap_InterestBearingDomesticDepositDemand_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="InterestBearingDepositLiabilities" xlink:to="us-gaap_InterestBearingDomesticDepositDemand_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositMoneyMarket" xlink:label="us-gaap_InterestBearingDomesticDepositMoneyMarket_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="InterestBearingDepositLiabilities" xlink:to="us-gaap_InterestBearingDomesticDepositMoneyMarket_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositSavings" xlink:label="us-gaap_InterestBearingDomesticDepositSavings_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="InterestBearingDepositLiabilities" xlink:to="us-gaap_InterestBearingDomesticDepositSavings_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:label="us-gaap_InterestBearingDomesticDepositTimeDeposits_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="InterestBearingDepositLiabilities" xlink:to="us-gaap_InterestBearingDomesticDepositTimeDeposits_639089362089668997" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureDepositsMaturitiesDetails" xlink:type="extended" xlink:title="99940903 - Disclosure - DEPOSITS - Maturities (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDeposits" xlink:label="TimeDeposits" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="us-gaap_TimeDepositMaturitiesYearFive_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDepositMaturitiesYearFive_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_639089362089668997" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_639089362089668997" order="5" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeAllocatedComponentOfOciDetails" xlink:type="extended" xlink:title="99941103 - Disclosure - OTHER COMPREHENSIVE INCOME - Allocated Component of OCI (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="OtherComprehensiveIncomeLossTax" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089668997" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089668997" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_639089362089668997" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_639089362089668997" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089668997" order="2" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089668997" xlink:to="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansNetUnamortizedGainLossArisingDuringPeriodTax_639089362089668997" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax_639089362089668997" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax_639089362089668997" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansNetPeriodicPensionCostDetails" xlink:type="extended" xlink:title="99941204 - Disclosure - EMPLOYEE BENEFIT PLANS - Net Periodic Pension Cost (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:label="DefinedBenefitPlanNetPeriodicBenefitCost" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_639089362089668997" order="1" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_639089362089668997" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:label="us-gaap_DefinedBenefitPlanInterestCost_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanInterestCost_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:label="us-gaap_DefinedBenefitPlanServiceCost_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="us-gaap_DefinedBenefitPlanServiceCost_639089362089668997" order="4" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansEmployeeStockOwnershipPlanDetails" xlink:type="extended" xlink:title="99941215 - Disclosure - EMPLOYEE BENEFIT PLANS - Employee Stock Ownership Plan (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:label="EmployeeStockOwnershipPlanESOPSharesInESOP" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:label="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EmployeeStockOwnershipPlanESOPSharesInESOP" xlink:to="us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares_639089362089668997" order="3" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureIncomeTaxesReconciliationDetails" xlink:type="extended" xlink:title="99941302 - Disclosure - INCOME TAXES - Reconciliation (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="EffectiveIncomeTaxRateContinuingOperations" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance" xlink:label="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance_639089362089668997" order="2" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_639089362089668997" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseImpairmentLosses_639089362089668997" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="EffectiveIncomeTaxRateContinuingOperations" xlink:to="us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_639089362089668997" order="6" use="optional" weight="-1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="IncomeTaxExpenseBenefit" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount" xlink:label="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="pbfs_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceAmount_639089362089668997" order="2" use="optional" weight="-1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:label="us-gaap_IncomeTaxReconciliationOtherAdjustments_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationOtherAdjustments_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:label="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_639089362089668997" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:label="us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_639089362089668997" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:label="us-gaap_IncomeTaxReconciliationTaxExemptIncome_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxReconciliationTaxExemptIncome_639089362089668997" order="6" use="optional" weight="-1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureIncomeTaxesDeferredTaxAssetsAndDeferredTaxLiabilitiesDetails" xlink:type="extended" xlink:title="99941303 - Disclosure - INCOME TAXES - Deferred Tax Assets and Deferred Tax Liabilities (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="us-gaap_DeferredTaxLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="us-gaap_DeferredTaxAssetsGross_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="us-gaap_DeferredTaxAssetsGross_639089362089668997" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:label="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DeferredTaxAssetDebtSecuritiesAvailableForSaleUnrealizedGainLoss" xlink:label="pbfs_DeferredTaxAssetDebtSecuritiesAvailableForSaleUnrealizedGainLoss_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="pbfs_DeferredTaxAssetDebtSecuritiesAvailableForSaleUnrealizedGainLoss_639089362089668997" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefits_639089362089668997" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation_639089362089668997" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DeferredTaxAssetsLeaseLiabilities" xlink:label="pbfs_DeferredTaxAssetsLeaseLiabilities_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="pbfs_DeferredTaxAssetsLeaseLiabilities_639089362089668997" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsOther" xlink:label="us-gaap_DeferredTaxAssetsOther_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxAssetsGross_639089362089668997" xlink:to="us-gaap_DeferredTaxAssetsOther_639089362089668997" order="7" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:label="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DeferredTaxLiabilitiesDepreciation" xlink:label="pbfs_DeferredTaxLiabilitiesDepreciation_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="pbfs_DeferredTaxLiabilitiesDepreciation_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts" xlink:label="us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_639089362089668997" order="2" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DeferredTaxLiabilitiesPrepaidPension" xlink:label="pbfs_DeferredTaxLiabilitiesPrepaidPension_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="pbfs_DeferredTaxLiabilitiesPrepaidPension_639089362089668997" order="3" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:label="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_639089362089668997" order="4" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities" xlink:label="us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="us-gaap_DeferredTaxLiabilitiesUnrealizedGainsOnTradingSecurities_639089362089668997" order="5" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="us-gaap_DeferredTaxLiabilitiesOther_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="us-gaap_DeferredTaxLiabilitiesOther_639089362089668997" order="6" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_DeferredTaxLiabilitiesUnfundedDefinedBenefitAndPostretirementBenefitPlanAssets" xlink:label="pbfs_DeferredTaxLiabilitiesUnfundedDefinedBenefitAndPostretirementBenefitPlanAssets_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="pbfs_DeferredTaxLiabilitiesUnfundedDefinedBenefitAndPostretirementBenefitPlanAssets_639089362089668997" order="7" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:label="us-gaap_DeferredTaxLiabilitiesLeasingArrangements_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_DeferredIncomeTaxLiabilities_639089362089668997" xlink:to="us-gaap_DeferredTaxLiabilitiesLeasingArrangements_639089362089668997" order="8" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesOffBalanceSheetFinancingDetails" xlink:type="extended" xlink:title="99941401 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES - Off-Balance Sheet Financing (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:label="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingFixedInterestRate" xlink:label="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingFixedInterestRate_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:to="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingFixedInterestRate_639089362089668997" order="1" use="optional" weight="1" priority="2" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingVariableInterestRate" xlink:label="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingVariableInterestRate_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:to="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingVariableInterestRate_639089362089668997" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureFairValueRecurringBasisDetails" xlink:type="extended" xlink:title="99941501 - Disclosure - FAIR VALUE - Recurring Basis (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="AssetsFairValueDisclosure" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets" xlink:label="us-gaap_DerivativeAssets_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="AssetsFairValueDisclosure" xlink:to="us-gaap_DerivativeAssets_639089362089668997" order="1" use="optional" weight="1" priority="3" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="AssetsFairValueDisclosure" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:label="FinancialLiabilitiesFairValueDisclosure" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities" xlink:label="us-gaap_DerivativeLiabilities_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="FinancialLiabilitiesFairValueDisclosure" xlink:to="us-gaap_DerivativeLiabilities_639089362089668997" order="1" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureRevenueRecognitionDetails" xlink:type="extended" xlink:title="99941701 - Disclosure - REVENUE RECOGNITION (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueNotFromContractWithCustomerExcludingInterestIncome" xlink:label="us-gaap_RevenueNotFromContractWithCustomerExcludingInterestIncome_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_RevenueNotFromContractWithCustomerExcludingInterestIncome_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax" xlink:label="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_639089362089668997" order="2" use="optional" weight="1" priority="2" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureLeasesQuantitativeDetails" xlink:type="extended" xlink:title="99941801 - Disclosure - LEASES - Quantitative (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_LeaseLiabilities" xlink:label="pbfs_LeaseLiabilities" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiability" xlink:label="us-gaap_FinanceLeaseLiability_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_LeaseLiabilities" xlink:to="us-gaap_FinanceLeaseLiability_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability" xlink:label="us-gaap_OperatingLeaseLiability_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_LeaseLiabilities" xlink:to="us-gaap_OperatingLeaseLiability_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LeaseCost" xlink:label="us-gaap_LeaseCost" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseRightOfUseAssetAmortization" xlink:label="us-gaap_FinanceLeaseRightOfUseAssetAmortization_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_FinanceLeaseRightOfUseAssetAmortization_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseInterestExpense" xlink:label="us-gaap_FinanceLeaseInterestExpense_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_FinanceLeaseInterestExpense_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseCost" xlink:label="us-gaap_OperatingLeaseCost_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_OperatingLeaseCost_639089362089668997" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableLeaseCost" xlink:label="us-gaap_VariableLeaseCost_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LeaseCost" xlink:to="us-gaap_VariableLeaseCost_639089362089668997" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="pbfs-20251231.xsd#pbfs_RightOfUseAssets" xlink:label="pbfs_RightOfUseAssets" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseRightOfUseAsset" xlink:label="us-gaap_FinanceLeaseRightOfUseAsset_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_RightOfUseAssets" xlink:to="us-gaap_FinanceLeaseRightOfUseAsset_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset" xlink:label="us-gaap_OperatingLeaseRightOfUseAsset_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="pbfs_RightOfUseAssets" xlink:to="us-gaap_OperatingLeaseRightOfUseAsset_639089362089668997" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureLeasesMaturityDetails" xlink:type="extended" xlink:title="99941802 - Disclosure - LEASES - Maturity (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDue" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingAfterYearFive" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingAfterYearFive_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingAfterYearFive_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFive" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFive_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFive_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFour" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFour_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearFour_639089362089668997" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearThree" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearThree_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearThree_639089362089668997" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearTwo" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearTwo_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInRollingYearTwo_639089362089668997" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDueInNextRollingTwelveMonths" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDueInNextRollingTwelveMonths_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:to="us-gaap_FinanceLeaseLiabilityPaymentsDueInNextRollingTwelveMonths_639089362089668997" order="6" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterRollingYearFive_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFour_639089362089668997" order="3" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree_639089362089668997" order="4" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo_639089362089668997" order="5" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths_639089362089668997" order="6" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureLeasesMaturityDetailsCalc2" xlink:type="extended" xlink:title="41902 - Disclosure - LEASES (Maturity) (Details) (Calc 2)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityPaymentsDue" xlink:label="us-gaap_FinanceLeaseLiabilityPaymentsDue_2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiabilityUndiscountedExcessAmount" xlink:label="us-gaap_FinanceLeaseLiabilityUndiscountedExcessAmount_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue_2" xlink:to="us-gaap_FinanceLeaseLiabilityUndiscountedExcessAmount_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiability" xlink:label="us-gaap_FinanceLeaseLiability_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_FinanceLeaseLiabilityPaymentsDue_2" xlink:to="us-gaap_FinanceLeaseLiability_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_2" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_2" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLiability" xlink:label="us-gaap_OperatingLeaseLiability_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_2" xlink:to="us-gaap_OperatingLeaseLiability_639089362089668997" order="2" use="optional" weight="1" />
  </calculationLink>
  <calculationLink xlink:role="http://www.pioneerbnk.com/role/DisclosureEarningsPerShareDetails" xlink:type="extended" xlink:title="99942001 - Disclosure - EARNINGS PER SHARE (Details)" xmlns="http://www.xbrl.org/2003/linkbase">
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639089362089668997" order="1" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased" xlink:label="us-gaap_WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639089362089668997" xlink:to="us-gaap_WeightedAverageNumberOfSharesEmployeeStockOwnershipPlanSharesNotCommittedToBeReleased_639089362089668997" order="1" use="optional" weight="-1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesIssuedBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesIssuedBasic_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_639089362089668997" xlink:to="us-gaap_WeightedAverageNumberOfSharesIssuedBasic_639089362089668997" order="2" use="optional" weight="1" />
    <loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_639089362089668997" />
    <calculationArc xlink:type="arc" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_639089362089668997" order="2" use="optional" weight="1" />
  </calculationLink>
</link:linkbase>
