<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.3.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 5/11/2026 4:00:36 PM-->
<!--Modified on: 5/11/2026 4:00:36 PM-->
<xsd:schema xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:attributeFormDefault="unqualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:us-roles="http://fasb.org/us-roles/2025" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:srt="http://fasb.org/srt/2025" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" targetNamespace="http://www.pioneerbnk.com/20260331" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:pbfs="http://www.pioneerbnk.com/20260331" xmlns:ecd="http://xbrl.sec.gov/ecd/2025" xmlns:ecd-sub="http://xbrl.sec.gov/ecd-sub/2025">
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCondition" id="StatementConsolidatedStatementsOfCondition">
        <link:definition>995200100 - Statement - CONSOLIDATED STATEMENTS OF CONDITION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfOperations" id="StatementConsolidatedStatementsOfOperations">
        <link:definition>995200200 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="StatementConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>995200300 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>995200500 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails" id="DisclosureInvestmentSecuritiesAmortizedCostAndEstimatedFairValueDetails">
        <link:definition>99940401 - Disclosure - INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesEstimatedFairValueAndGrossUnrealizedLossesDetails" id="DisclosureInvestmentSecuritiesEstimatedFairValueAndGrossUnrealizedLossesDetails">
        <link:definition>99940403 - Disclosure - INVESTMENT SECURITIES - Estimated Fair Value and Gross Unrealized Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesContractualMaturityDetails" id="DisclosureInvestmentSecuritiesContractualMaturityDetails">
        <link:definition>99940404 - Disclosure - INVESTMENT SECURITIES - Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesGainsAndLossesOnTradingSecuritiesDetails" id="DisclosureInvestmentSecuritiesGainsAndLossesOnTradingSecuritiesDetails">
        <link:definition>99940406 - Disclosure - INVESTMENT SECURITIES - Gains and (losses) on trading securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableBalanceInAllowanceForLoanLossesAndRecordedInvestmentDetails" id="DisclosureNetLoansReceivableBalanceInAllowanceForLoanLossesAndRecordedInvestmentDetails">
        <link:definition>99940503 - Disclosure - NET LOANS RECEIVABLE - Balance in Allowance for Loan Losses and recorded Investment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableRiskDetails" id="DisclosureNetLoansReceivableRiskDetails">
        <link:definition>99940508 - Disclosure - NET LOANS RECEIVABLE - Risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureDerivativesHedgingInstrumentsDetails" id="DisclosureDerivativesHedgingInstrumentsDetails">
        <link:definition>99940602 - Disclosure - DERIVATIVES - Hedging Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeAllocatedComponentOfOciDetails" id="DisclosureOtherComprehensiveIncomeAllocatedComponentOfOciDetails">
        <link:definition>99940703 - Disclosure - OTHER COMPREHENSIVE INCOME - Allocated Component of OCI (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansNetPeriodicPensionCostDetails" id="DisclosureEmployeeBenefitPlansNetPeriodicPensionCostDetails">
        <link:definition>99940802 - Disclosure - EMPLOYEE BENEFIT PLANS - Net Periodic Pension Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansEmployeeStockOwnershipPlanDetails" id="DisclosureEmployeeBenefitPlansEmployeeStockOwnershipPlanDetails">
        <link:definition>99940805 - Disclosure - EMPLOYEE BENEFIT PLANS - Employee Stock Ownership Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesOffBalanceSheetFinancingDetails" id="DisclosureCommitmentsAndContingentLiabilitiesOffBalanceSheetFinancingDetails">
        <link:definition>99940901 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES - Off-Balance Sheet Financing (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueRecurringBasisDetails" id="DisclosureFairValueRecurringBasisDetails">
        <link:definition>99941001 - Disclosure - FAIR VALUE - Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureRevenueRecognitionDetails" id="DisclosureRevenueRecognitionDetails">
        <link:definition>99941101 - Disclosure - REVENUE RECOGNITION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEarningsPerShareDetails" id="DisclosureEarningsPerShareDetails">
        <link:definition>99941201 - Disclosure - EARNINGS PER SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfChangesInShareholdersEquity" id="StatementConsolidatedStatementsOfChangesInShareholdersEquity">
        <link:definition>995200400 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableTables" id="DisclosureNetLoansReceivableTables">
        <link:definition>99930403 - Disclosure - NET LOANS RECEIVABLE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansTables" id="DisclosureEmployeeBenefitPlansTables">
        <link:definition>99930703 - Disclosure - EMPLOYEE BENEFIT PLANS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureAcquisitionsDetails" id="DisclosureAcquisitionsDetails">
        <link:definition>99940301 - Disclosure - ACQUISITIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesAllowanceForCreditLossesOnSecuritiesDetails" id="DisclosureInvestmentSecuritiesAllowanceForCreditLossesOnSecuritiesDetails">
        <link:definition>99940402 - Disclosure - INVESTMENT SECURITIES - Allowance for Credit Losses on Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesSalesOfSecuritiesUnrealizedGainsLossesDetails" id="DisclosureInvestmentSecuritiesSalesOfSecuritiesUnrealizedGainsLossesDetails">
        <link:definition>99940405 - Disclosure - INVESTMENT SECURITIES - Sales of Securities, Unrealized Gains (Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableSummaryOfNetLoansReceivableDetails" id="DisclosureNetLoansReceivableSummaryOfNetLoansReceivableDetails">
        <link:definition>99940501 - Disclosure - NET LOANS RECEIVABLE - Summary of Net Loans Receivable (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableAllowanceForLoanLossesDetails" id="DisclosureNetLoansReceivableAllowanceForLoanLossesDetails">
        <link:definition>99940502 - Disclosure - NET LOANS RECEIVABLE - Allowance for Loan Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableLoanModificationsDetails" id="DisclosureNetLoansReceivableLoanModificationsDetails">
        <link:definition>99940504 - Disclosure - NET LOANS RECEIVABLE - Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableNonaccrualAndLoansPastDueOver90DaysStillOnAccrualDetails" id="DisclosureNetLoansReceivableNonaccrualAndLoansPastDueOver90DaysStillOnAccrualDetails">
        <link:definition>99940505 - Disclosure - NET LOANS RECEIVABLE - Nonaccrual and Loans Past Due Over 90 Days Still on Accrual (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableCollateralDependentLoansDetails" id="DisclosureNetLoansReceivableCollateralDependentLoansDetails">
        <link:definition>99940506 - Disclosure - NET LOANS RECEIVABLE - Collateral-dependent loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableAgingOfRecordedInvestmentDetails" id="DisclosureNetLoansReceivableAgingOfRecordedInvestmentDetails">
        <link:definition>99940507 - Disclosure - NET LOANS RECEIVABLE - Aging of Recorded Investment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivableOthersDetails" id="DisclosureNetLoansReceivableOthersDetails">
        <link:definition>99940509 - Disclosure - NET LOANS RECEIVABLE - Others (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureDerivativesOffsettingDetails" id="DisclosureDerivativesOffsettingDetails">
        <link:definition>99940601 - Disclosure - DERIVATIVES - Offsetting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureDerivativesCollateralDetails" id="DisclosureDerivativesCollateralDetails">
        <link:definition>99940603 - Disclosure - DERIVATIVES - Collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeReclassificationsDetails" id="DisclosureOtherComprehensiveIncomeReclassificationsDetails">
        <link:definition>99940701 - Disclosure - OTHER COMPREHENSIVE INCOME - Reclassifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeBalancesAndChangesInAociDetails" id="DisclosureOtherComprehensiveIncomeBalancesAndChangesInAociDetails">
        <link:definition>99940702 - Disclosure - OTHER COMPREHENSIVE INCOME - Balances and Changes in AOCI (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansPensionPlanOtherDetails" id="DisclosureEmployeeBenefitPlansPensionPlanOtherDetails">
        <link:definition>99940801 - Disclosure - EMPLOYEE BENEFIT PLANS - Pension Plan - Other (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansPostRetirementHealthcarePlanDetails" id="DisclosureEmployeeBenefitPlansPostRetirementHealthcarePlanDetails">
        <link:definition>99940803 - Disclosure - EMPLOYEE BENEFIT PLANS - Post-Retirement Healthcare Plan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlansNetPeriodicPostRetirementBenefitCostDetails" id="DisclosureEmployeeBenefitPlansNetPeriodicPostRetirementBenefitCostDetails">
        <link:definition>99940804 - Disclosure - EMPLOYEE BENEFIT PLANS - Net Periodic Post-retirement Benefit Cost (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformationDetails" id="DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformationDetails">
        <link:definition>99940902 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES - Additional information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesLegalProceedingAndOtherContingentLiabilitiesDetails" id="DisclosureCommitmentsAndContingentLiabilitiesLegalProceedingAndOtherContingentLiabilitiesDetails">
        <link:definition>99940903 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES - Legal Proceeding and Other Contingent Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueNonRecurringBasisDetails" id="DisclosureFairValueNonRecurringBasisDetails">
        <link:definition>99941002 - Disclosure - FAIR VALUE - Non-Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueNonRecurringBasisOtherDetails" id="DisclosureFairValueNonRecurringBasisOtherDetails">
        <link:definition>99941003 - Disclosure - FAIR VALUE - Non-Recurring Basis - Other (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueCarryingAndFairValuesDetails" id="DisclosureFairValueCarryingAndFairValuesDetails">
        <link:definition>99941004 - Disclosure - FAIR VALUE - Carrying and Fair Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>995200090 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfConditionParenthetical" id="StatementConsolidatedStatementsOfConditionParenthetical">
        <link:definition>995200105 - Statement - CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/StatementConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" id="StatementConsolidatedStatementsOfChangesInShareholdersEquityParenthetical">
        <link:definition>995200405 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNatureOfOperations" id="DisclosureNatureOfOperations">
        <link:definition>995210101 - Disclosure - NATURE OF OPERATIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureSummaryOfSignificantAccountingPolicies" id="DisclosureSummaryOfSignificantAccountingPolicies">
        <link:definition>995210201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureAcquisitions" id="DisclosureAcquisitions">
        <link:definition>995210301 - Disclosure - ACQUISITIONS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecurities" id="DisclosureInvestmentSecurities">
        <link:definition>995210401 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNetLoansReceivable" id="DisclosureNetLoansReceivable">
        <link:definition>995210501 - Disclosure - NET LOANS RECEIVABLE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureDerivatives" id="DisclosureDerivatives">
        <link:definition>995210601 - Disclosure - DERIVATIVES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncome" id="DisclosureOtherComprehensiveIncome">
        <link:definition>995210701 - Disclosure - OTHER COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEmployeeBenefitPlans" id="DisclosureEmployeeBenefitPlans">
        <link:definition>995210801 - Disclosure - EMPLOYEE BENEFIT PLANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilities" id="DisclosureCommitmentsAndContingentLiabilities">
        <link:definition>995210901 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValue" id="DisclosureFairValue">
        <link:definition>995211001 - Disclosure - FAIR VALUE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureRevenueRecognition" id="DisclosureRevenueRecognition">
        <link:definition>995211101 - Disclosure - REVENUE RECOGNITION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEarningsPerShare" id="DisclosureEarningsPerShare">
        <link:definition>995211201 - Disclosure - EARNINGS PER SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureSummaryOfSignificantAccountingPoliciesPolicies" id="DisclosureSummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>99920202 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureInvestmentSecuritiesTables" id="DisclosureInvestmentSecuritiesTables">
        <link:definition>99930303 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureDerivativesTables" id="DisclosureDerivativesTables">
        <link:definition>99930503 - Disclosure - DERIVATIVES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureOtherComprehensiveIncomeTables" id="DisclosureOtherComprehensiveIncomeTables">
        <link:definition>99930603 - Disclosure - OTHER COMPREHENSIVE INCOME (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureCommitmentsAndContingentLiabilitiesTables" id="DisclosureCommitmentsAndContingentLiabilitiesTables">
        <link:definition>99930803 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureFairValueTables" id="DisclosureFairValueTables">
        <link:definition>99930903 - Disclosure - FAIR VALUE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureRevenueRecognitionTables" id="DisclosureRevenueRecognitionTables">
        <link:definition>99931003 - Disclosure - REVENUE RECOGNITION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureEarningsPerShareTables" id="DisclosureEarningsPerShareTables">
        <link:definition>99931103 - Disclosure - EARNINGS PER SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureNatureOfOperationsOtherDetails" id="DisclosureNatureOfOperationsOtherDetails">
        <link:definition>99940101 - Disclosure - NATURE OF OPERATIONS - Other (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="pbfs-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pbfs-20260331_cal.xml" xlink:title="Calculation Links, all" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pbfs-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pbfs-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://www.pioneerbnk.com/role/DisclosureStandardAndCustomAxisDomainDefaults" id="DisclosureStandardAndCustomAxisDomainDefaults">
        <link:definition>99900 - Disclosure - Standard And Custom Axis Domain Defaults</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="https://xbrl.org/2023/calculation-1.1" schemaLocation="https://www.xbrl.org/2023/calculation-1.1.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd" />
  <xsd:import namespace="http://xbrl.org/2020/extensible-enumerations-2.0" schemaLocation="https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd" />
  <xsd:element name="MortgagorsEscrowDeposits" id="pbfs_MortgagorsEscrowDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseInMortgagorsEscrowDeposits" id="pbfs_IncreaseDecreaseInMortgagorsEscrowDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="NumberOfOfficesInCapitalRegion" id="pbfs_NumberOfOfficesInCapitalRegion" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AvailableForSaleSecuritiesPledgedToSecureFederalHomeLoanBankNewYorkAdvancesAndMunicipalDeposits" id="pbfs_AvailableForSaleSecuritiesPledgedToSecureFederalHomeLoanBankNewYorkAdvancesAndMunicipalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfAllowanceForLoanLossesAndRecordedInvestmentTableTextBlock" id="pbfs_ScheduleOfAllowanceForLoanLossesAndRecordedInvestmentTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfRecordedInvestmentInNonaccrualAndLoansPastDueOver90DaysStillOnAccrualTableTextBlock" id="pbfs_ScheduleOfRecordedInvestmentInNonaccrualAndLoansPastDueOver90DaysStillOnAccrualTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfOffsettingOfDerivativeAssetsAndLiabilitiesTableTextBlock" id="pbfs_DisclosureOfOffsettingOfDerivativeAssetsAndLiabilitiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="HomeEquityLoansAndLinesPortfolioSegmentMember" id="pbfs_HomeEquityLoansAndLinesPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CommercialAndIndustrialLoanMember" id="pbfs_CommercialAndIndustrialLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ResidentialMortgageHomeEquityAndCommercialLoansMember" id="pbfs_ResidentialMortgageHomeEquityAndCommercialLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapWithCommercialBorrowersMember" id="pbfs_InterestRateSwapWithCommercialBorrowersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InterestRateSwapWithThirdPartyCounterpartiesMember" id="pbfs_InterestRateSwapWithThirdPartyCounterpartiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfContractualAmountOfExposureToOffBalanceSheetRiskTableTextBlock" id="pbfs_ScheduleOfContractualAmountOfExposureToOffBalanceSheetRiskTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingFixedInterestRate" id="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingFixedInterestRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingVariableInterestRate" id="pbfs_FairValueDisclosureOffBalanceSheetRisksFaceAmountLiabilityBearingVariableInterestRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AdjustableRateMortgagesAnnualRateIncrease" id="pbfs_AdjustableRateMortgagesAnnualRateIncrease" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustableRateMortgagesLifetimeRateIncrease" id="pbfs_AdjustableRateMortgagesLifetimeRateIncrease" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AdjustableRateResidentialMortgageLoansInterestRateCapsAmount" id="pbfs_AdjustableRateResidentialMortgageLoansInterestRateCapsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AdjustableRateMortgageLoansConversionOptions" id="pbfs_AdjustableRateMortgageLoansConversionOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DepositsSavingsMoneyMarketAndDemandAccountsFairValueDisclosure" id="pbfs_DepositsSavingsMoneyMarketAndDemandAccountsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="TimeDepositsFairValueDisclosure" id="pbfs_TimeDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DefinedBenefitPlanPensionPaidAsAnnuity" id="pbfs_DefinedBenefitPlanPensionPaidAsAnnuity" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanAverageOfHighestConsecutiveYearsOfTotalCompensationOverLastTenYearsMultipliedByCreditedServiceCalculatePensionFormula" id="pbfs_DefinedBenefitPlanAverageOfHighestConsecutiveYearsOfTotalCompensationOverLastTenYearsMultipliedByCreditedServiceCalculatePensionFormula" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanTotalCompensationYearUsedForAverageOfFiveHighestConsecutiveYearsMultipliedByCreditedServiceCalculatePensionFormula" id="pbfs_DefinedBenefitPlanTotalCompensationYearUsedForAverageOfFiveHighestConsecutiveYearsMultipliedByCreditedServiceCalculatePensionFormula" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanMaximumCreditedService" id="pbfs_DefinedBenefitPlanMaximumCreditedService" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployerContributionMonthlyPremiumIndividualCoverage" id="pbfs_EmployerContributionMonthlyPremiumIndividualCoverage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EmployerContributionMonthlyPremiumEmployeeAndSpousalCoverage" id="pbfs_EmployerContributionMonthlyPremiumEmployeeAndSpousalCoverage" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InterestExpenseBorrowingsAndOther" id="pbfs_InterestExpenseBorrowingsAndOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanThresholdAgeOfEmployeeWhoAreEligibleForPensionPlan" id="pbfs_DefinedBenefitPlanThresholdAgeOfEmployeeWhoAreEligibleForPensionPlan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DefinedBenefitPlanThresholdPeriodOfServiceOfEmployeeToBeEligibleForPensionPlan" id="pbfs_DefinedBenefitPlanThresholdPeriodOfServiceOfEmployeeToBeEligibleForPensionPlan" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThresholdAgeForEligibilityForRetireeMedicalCoverage" id="pbfs_ThresholdAgeForEligibilityForRetireeMedicalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumYearOfServiceForEligibilityForIndividualAndSpousalCoverage" id="pbfs_MinimumYearOfServiceForEligibilityForIndividualAndSpousalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumYearOfServiceForEligibilityForRetireeMedicalCoverage" id="pbfs_MinimumYearOfServiceForEligibilityForRetireeMedicalCoverage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgagorsEscrowDepositsFairValueDisclosure" id="pbfs_MortgagorsEscrowDepositsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="OtherRealEstateOwnedFairValueDisclosure" id="pbfs_OtherRealEstateOwnedFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ScheduleOfAllocationOfIncomeTaxExpenseBenefitToEachComponentOfOtherComprehensiveIncomeLossTableTextBlock" id="pbfs_ScheduleOfAllocationOfIncomeTaxExpenseBenefitToEachComponentOfOtherComprehensiveIncomeLossTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PioneerBankESOPMember" id="pbfs_PioneerBankESOPMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InsuranceRevenuesFeeMember" id="pbfs_InsuranceRevenuesFeeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WealthManagementServicesMember" id="pbfs_WealthManagementServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanLoanGrantedByCompanyToEsopNumberOfSharesPurchased" id="pbfs_EmployeeStockOwnershipPlanLoanGrantedByCompanyToEsopNumberOfSharesPurchased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockPurchasePlanEmployerLoanTerm" id="pbfs_EmployeeStockPurchasePlanEmployerLoanTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanLoanAmount" id="pbfs_EmployeeStockOwnershipPlanLoanAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanNumberOfSharesCommittedToBeReleasedAnnually" id="pbfs_EmployeeStockOwnershipPlanNumberOfSharesCommittedToBeReleasedAnnually" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="EmployeeStockOwnershipPlanSharesCommittedToBeReleased" id="pbfs_EmployeeStockOwnershipPlanSharesCommittedToBeReleased" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanCommitmentsWithRateLockAgreementsHeldForSale" id="pbfs_LoanCommitmentsWithRateLockAgreementsHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommitmentsToSellLoansToUnrelatedInvestors" id="pbfs_CommitmentsToSellLoansToUnrelatedInvestors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ChemungCanalTrustCompanyComplaintMember" id="pbfs_ChemungCanalTrustCompanyComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="XHAirCoolersLLCComplaintMember" id="pbfs_XHAirCoolersLLCComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatureOfOperationsAbstract" id="pbfs_NatureOfOperationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeBenefitPlansOtherDisclosuresAbstract" id="pbfs_EmployeeBenefitPlansOtherDisclosuresAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LitigationRelatedExpense" id="pbfs_LitigationRelatedExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="BankSInterestInCashAndSecuritiesInWhichPetitionWasFiledToAdjudicateValidity" id="pbfs_BankSInterestInCashAndSecuritiesInWhichPetitionWasFiledToAdjudicateValidity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="SouthwesternThirdAmendedComplaintMember" id="pbfs_SouthwesternThirdAmendedComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatpayAmendedComplaintMember" id="pbfs_NatpayAmendedComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivablePledgedAsCollateralForFhlbnyBorrowingAndStandByByLettersOfCredit" id="pbfs_LoansReceivablePledgedAsCollateralForFhlbnyBorrowingAndStandByByLettersOfCredit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ValuationTechniqueAppraisalOfCollateralMember" id="pbfs_ValuationTechniqueAppraisalOfCollateralMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MeasurementInputLiquidationExpenseMember" id="pbfs_MeasurementInputLiquidationExpenseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairedCommercialLoansMeasurementInput" id="pbfs_ImpairedCommercialLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="BankOwnedLifeInsuranceIncomeExpense" id="pbfs_BankOwnedLifeInsuranceIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="PaymentsToAcquirePropertyPlantAndEquipmentNet" id="pbfs_PaymentsToAcquirePropertyPlantAndEquipmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossContingencyCompensatoryDamagesSoughtValue" id="pbfs_LossContingencyCompensatoryDamagesSoughtValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LossContingencyDamagesSoughtByDefendant" id="pbfs_LossContingencyDamagesSoughtByDefendant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CachetFinancialServicesAmendedComplaintMember" id="pbfs_CachetFinancialServicesAmendedComplaintMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TotalAllowanceForCreditLossesRollForward" id="pbfs_TotalAllowanceForCreditLossesRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TotalAllowanceForCreditLosses" id="pbfs_TotalAllowanceForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TotalAllowanceForCreditLossesWriteoff" id="pbfs_TotalAllowanceForCreditLossesWriteoff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TotalAllowanceForCreditLossesRecovery" id="pbfs_TotalAllowanceForCreditLossesRecovery" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableCollateralDependentAmount" id="pbfs_FinancingReceivableCollateralDependentAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfCollateralDependentLoansTableTextBlock" id="pbfs_ScheduleOfCollateralDependentLoansTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" id="pbfs_FinancingReceivableAllowanceForCreditLossIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" id="pbfs_FinancingReceivableAllowanceForCreditLossCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivablesIndividuallyEvaluatedForImpairment" id="pbfs_FinancingReceivablesIndividuallyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivablesCollectivelyEvaluatedForImpairment" id="pbfs_FinancingReceivablesCollectivelyEvaluatedForImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleAccruedInterest" id="pbfs_DebtSecuritiesAvailableForSaleAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityAccruedInterest" id="pbfs_DebtSecuritiesHeldToMaturityAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableAccruedInterest" id="pbfs_FinancingReceivableAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RevenueNotFromContractWithCustomerExcludingInterestIncomeNet" id="pbfs_RevenueNotFromContractWithCustomerExcludingInterestIncomeNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentNet" id="pbfs_FinancingReceivableIndividuallyEvaluatedForImpairmentNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValueAbstract" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionEstimatedFairValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossesAbstract" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" id="pbfs_DebtSecuritiesHeldToMaturityUnrealizedLossPositionAccumulatedLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProvisionForCreditLosses" id="pbfs_ProvisionForCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesHeldToMaturityExcludingAccruedInterest30DaysOrMorePastDue" id="pbfs_DebtSecuritiesHeldToMaturityExcludingAccruedInterest30DaysOrMorePastDue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock" id="pbfs_PaymentsForProceedsFromFederalHomeLoanBankAndFederalReserveBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash" id="pbfs_EmployeeStockOwnershipPlanEsopCompensationExpenseNoncash" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IndividuallyEvaluatedLoansCommercialValuationTechniqueExtensibleEnumeration" id="pbfs_IndividuallyEvaluatedLoansCommercialValuationTechniqueExtensibleEnumeration" type="enum2:enumerationSetItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" enum2:linkrole="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" enum2:domain="us-gaap:ValuationTechniqueDomain" enum2:headUsable="false" />
  <xsd:element name="IndividuallyEvaluatedLoansCommercialMeasurementInputExtensibleEnumeration" id="pbfs_IndividuallyEvaluatedLoansCommercialMeasurementInputExtensibleEnumeration" type="enum2:enumerationSetItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" enum2:linkrole="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" enum2:domain="us-gaap:MeasurementInputTypeDomain" enum2:headUsable="false" />
  <xsd:element name="MortgageBackedSecurityIssuedByUsGovernmentAgencySecuritiesMember" id="pbfs_MortgageBackedSecurityIssuedByUsGovernmentAgencySecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CollateralizedMortgageObligationsIssuedByUsGovernmentAgencySecuritiesMember" id="pbfs_CollateralizedMortgageObligationsIssuedByUsGovernmentAgencySecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProceedsFromPaymentsForFederalHomeLoanBankAdvances" id="pbfs_ProceedsFromPaymentsForFederalHomeLoanBankAdvances" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="MortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprises1Member" id="pbfs_MortgageBackedSecuritiesIssuedByUsGovernmentSponsoredEnterprises1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" id="pbfs_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear" id="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff" id="pbfs_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFourYearsBeforeCurrentFiscalYearWriteOff" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNumberOfContractsModified" id="pbfs_FinancingReceivableNumberOfContractsModified" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="IncreaseDecreaseInDebtSecuritiesTradingInvestingActivities" id="pbfs_IncreaseDecreaseInDebtSecuritiesTradingInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestYearThreeOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" id="pbfs_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedFiscalYearBeforeCurrentFiscalYearTransitionPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SpecificAssetsAcquiredApril202026Member" id="pbfs_SpecificAssetsAcquiredApril202026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="TargetedLendingCo.LlcMember" id="pbfs_TargetedLendingCo.LlcMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BusinessCombinationMembershipInterestAcquiredPercentage" id="pbfs_BusinessCombinationMembershipInterestAcquiredPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="BusinessCombinationEnterpriseValue" id="pbfs_BusinessCombinationEnterpriseValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationLoansOfAcquiree" id="pbfs_BusinessCombinationLoansOfAcquiree" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LitigationRelatedExpenseNet" id="pbfs_LitigationRelatedExpenseNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ContingentLiabilityAdjustment" id="pbfs_ContingentLiabilityAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DebtSecuritiesTradingAndEquity" id="pbfs_DebtSecuritiesTradingAndEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
</xsd:schema>
