EXHIBIT 21

SUBSIDIARIES OF THE REGISTRANT

Name

  ​ ​ ​

Percent Ownership

  ​ ​ ​

Jurisdiction of Incorporation

Pioneer Bank, National Association

100%

United States

Pioneer Insurance Agency, Inc.*

100%

New York

Pioneer Financial Services, Inc.*

100%

New York

Pioneer Consulting Solutions, Inc.*

100%

New York

Pioneer Capital Markets Holdings, Inc.

100%

Delaware

Pioneer Capital Markets, Inc.**

100%

Delaware


*    Subsidiary of Pioneer Bank, National Association

** Subsidiary of Pioneer Capital Markets Holdings, Inc.