Pioneer Bancorp Expands Banking Footprint into Columbia County with a Full-Service Branch in Hudson, New York

For Release: Immediate - Monday, March 30th, 2026

New location at 1 Hudson City Centre underscores long-term commitment to the Hudson community, including $30 million in small business lending and $50,000 in charitable giving

Conveniently located in Hudson, the branch will offer a modern banking experience with private offices for consultations and feature a drive-thru Interactive Teller Machine (ITM) offering extended-hours banking. The space is currently undergoing renovation to reflect Pioneer's customer-centric branch design. The branch is located adjacent to Hudson Financial's offices, providing convenient access to a wide range of financial solutions under one roof, supporting Pioneer's More Than a Bank® business strategy,

"Building on our initial entry into the Hudson market through the acquisition of Hudson Financial, this new branch allows us to serve residents and local businesses in a more direct and meaningful way," said Thomas Amell, President & CEO of Pioneer. "We see strong potential in Columbia County, and we're committed to expanding access to banking services, supporting small-business growth, and investing in the organizations that help this community thrive."

"As we establish our branch presence in Hudson, our focus is on delivering a banking experience that is personal, accessible, and convenient," said Dan Cancelliere, SVP, Customer Experience at Pioneer. "From the extended-hours ITM to the dedicated consultation space, this branch is designed around how customers want to bank today."

As part of its first year in Hudson, Pioneer has committed $30 million in new small business lending in Columbia County, further expanding access to capital for local employers. Additionally, Pioneer's Charitable Foundation will pledge $50,000 in support of Columbia County-based nonprofits through a combination of sponsorships, grants, tangible giving, and employee volunteer support. These efforts continue the Charitable Foundation's mission of supporting families, youth programs, and community well-being.

Pioneer will partner with the Columbia County Chamber of Commerce for an official ribbon-cutting ceremony to be announced at a later date.

Pioneer Bancorp, Inc. ("Pioneer") is a financial holding company with more than $2 billion in assets that provides diversified financial services through its subsidiaries. Pioneer's subsidiary, Pioneer Bank, National Association and its subsidiaries, with 22 offices in the Capital Region of New York State, offers a broad array of banking, insurance, employee benefits, human resources consulting, and wealth management services to individuals, businesses, and municipalities. Pioneer's subsidiary Pioneer Capital Markets, Inc., is a FINRA-registered broker-dealer focused on municipal bond trading. For more information on Pioneer, please visit https://www.pioneerny.com.

Certain of the matters discussed in this communication constitute forward-looking statements within the meaning of the Securities Act of 1933 and the Securities Exchange Act of 1934, both as amended by the Private Securities Litigation Reform Act of 1995. These forward-looking statements are generally identified by use of the words "believe," "expect," "intend," "anticipate," "estimate," "project" or similar expressions, or future or conditional verbs, such as "will," "would," "should," "could," or "may." Pioneer's ability to predict results or the actual effect of future plans or strategies is inherently uncertain. No assurance can be given that the future results covered by forward-looking statements will be achieved. These statements are based on the current expectations of our management, and it is important to note that our actual results could be materially different from those projected in such forward-looking statements. There are a number of risks and uncertainties that could cause actual results to differ materially from the forward-looking statements, including those discussed in our annual report on Form 10-K for the year ended December 31, 2025, under the heading "Risk Factors" and other filings made with the SEC, including our quarterly reports on Form 10-Q. Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this communication, unless noted otherwise. Except as required under the federal securities laws and the rules and regulations of the SEC, Pioneer does not undertake any obligation to release publicly any revisions to the forward-looking statements to reflect events or circumstances after the date of this communication or to reflect the occurrence of unanticipated events.

Patrick J. Hughes

Executive Vice President and Chief Financial Officer

(518) 730-3025

InvestorRelations@pioneerny.com