Name of plan sponsor:

Pioneer Bank, National Association

Employer identification number:

14-0970570

Plan number:

002

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(c)

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Description of Investment

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(b)

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Including Maturity Date,

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(e)

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Identity of Issue, Borrower,

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Rate of Interest,

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(d)

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Current

(a)

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Lessor, or Similar Party

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Collateral, Par, or Maturity Value

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Cost

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Value

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Common Stock

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*

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Pioneer Bancorp, Inc.

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Employer Common Stock

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#

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$

2,668,568

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Cash

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Cash

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Cash

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#

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2

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Mutual Funds

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BlackRock

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Advantage Small Cap Core Fund

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#

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645,834

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American Funds

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EuroPacific Growth Fund

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#

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562,580

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MFS

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Value Fund

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#

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863,011

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T. Rowe Price

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Blue Chip Growth Fund

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#

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3,685,761

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Vanguard

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Target Retirement 2020 Fund

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#

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163,792

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Vanguard

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Target Retirement 2025 Fund

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#

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2,444,004

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Vanguard

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Target Retirement 2030 Fund

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#

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2,192,372

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Vanguard

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Target Retirement 2035 Fund

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#

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​

2,688,651

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Vanguard

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Target Retirement 2040 Fund

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#

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​

2,374,337

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Vanguard

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Target Retirement 2045 Fund

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#

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​

1,276,654

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Vanguard

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Target Retirement 2050 Fund

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#

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​

1,495,245

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Vanguard

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Target Retirement 2055 Fund

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#

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844,372

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Vanguard

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Target Retirement 2060 Fund

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#

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​

505,260

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Vanguard

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Target Retirement 2065 Fund

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#

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536,476

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Vanguard

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Target Retirement 2070 Fund

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#

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61,292

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Vanguard

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Mid Cap Index Fund

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#

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1,175,643

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Vanguard

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500 Index Fund

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#

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3,760,198

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Vanguard

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Target Retirement Income Fund

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#

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136,459

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Dodge & Cox

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Income Fund

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#

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435,338

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25,847,279

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Common Collective Trust Funds

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*

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Reliance Trust Company

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Stable Value Collective Investment Trust, Series 25053

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#

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1,447,930

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Total Investments

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29,963,779

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Notes Receivable

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*

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Notes receivable from participants

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Varying maturity dates with interest rates ranging from 4.25% to 9.50%

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- 0 -

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538,967

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$

30,502,746

*

Indicates a party-in-interest as defined by the Employee Retirement Security Act of 1974.

#

Investments are participant directed and therefore cost information is not presented.