Pioneer Bancorp Inc Annual Shareholders Meeting Transcript
Welcome to the Annual Meeting of Stockholders of Pioneer Bankcorp, Inc. My name is Tom Amell, President and CEO of Pioneer Bankcorp. And I'll be the Chairman of this meeting.
Before we get started with the formalities of the meeting, I would like to take a few minutes to highlight some of the important events and progress for Pioneer during 2023. First and foremost, I'm proud to report that Pioneer navigated a very turbulent year in an industry that was marred by the failure of two large financial institutions, which created a lot of unrest in the banking industry.
Pioneer is well positioned and well prepared to deal with the unrest as we have established a strong reputation in our market. And this was further supported by our financial strength, led by our liquidity position, which remains well above $0.5 billion. Having this level of liquidity, coupled with our capital levels above 11%, positions us well, not only to weather any storms, but more importantly, allow us to play offense.
In 2023, we demonstrated our ability
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