Pioneer Bancorp, Inc.

Hanover Bancorp, Inc. functions as the parent entity for Hanover Community Bank, providing a comprehensive range of financial products and services. These offerings serve individuals, municipalities, and small to mid-sized businesses across the New York metropolitan area. The bank's extensive portfolio includes various deposit options such as checking, savings, money market, NOW, and individual retirement accounts, alongside certificates of deposit and time deposits, as well as card services. For lending needs, it offers residential and commercial real estate mortgages, commercial and industrial loans, lines of credit, Small Business Administration (SBA) loans, home equity financing, multi-family property loans, general business loans, bridge loans, and other personal purpose loans. Branch locations are established in Manhattan, Brooklyn, Queens, and Nassau County, New York, with its administrative hub situated in Suffolk County, New York. Established in 2008, Hanover Bancorp, Inc. maintains its headquarters in Mineola, New York.

Lake Shore Bancorp, Inc. functions as the parent entity for Lake Shore Savings Bank, through which it delivers a comprehensive array of banking and financial services. The bank provides a diverse selection of deposit products, including various savings accounts (such as specialized Christmas Club accounts and standard statement savings), money market accounts, both interest-bearing and non-interest-bearing checking accounts (like demand deposits), health savings accounts, retirement savings vehicles, fixed-term certificates of deposit, and interest on lawyer accounts. These offerings cater to individual clients, as well as small to medium-sized businesses, providing them with commercial savings, checking, and money market solutions. Its lending portfolio is equally broad, featuring commercial real estate loans, financing for commercial construction projects, and home equity loans and lines of credit. Business clients can also access various commercial loans, including installment loans, lines of credit, and other tailored commercial financing. Furthermore, the bank originates one-to-four-family residential mortgages and offers consumer credit products such as personal loans, overdraft protection lines, vehicle financing, secured and unsecured property improvement loans, and loans backed by certificates of deposit. As of February 11, 2022, Lake Shore Savings Bank operated eleven full-service branches across Western New York, with five locations situated in Chautauqua County and the remaining six in Erie County. Established in 1891, the company maintains its primary office in Dunkirk, New York, and operates as a subsidiary of Lake Shore, MHC.

ECB Bancorp, Inc. functions as the holding company for Everett Co-operative Bank, offering a comprehensive suite of banking products and financial services. The institution provides a variety of deposit accounts, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and both interest-bearing and non-interest-bearing checking options. Its lending portfolio encompasses diverse loans such as those for one-to-four family residential properties, commercial and multi-family real estate, construction and land development, general commercial purposes, and consumer needs, alongside home equity loans and lines of credit. Additionally, the company makes strategic investments in securities, primarily consisting of obligations issued by the U.S. government and federal agencies, mortgage-backed instruments, and corporate bonds. It conducts its operations through two full-service banking branches located in Everett and Lynnfield, Massachusetts. The company was founded in 1890 and maintains its headquarters in Everett, Massachusetts.

Flagstar Financial, Inc. serves as the holding company for Flagstar Bank, N.A., delivering a wide array of banking solutions and services throughout the United States. Its deposit portfolio features interest-bearing checking, money market, savings, and non-interest-bearing accounts, alongside retirement savings plans and certificates of deposit. The institution extends a diverse range of credit facilities, including financing for multi-family properties, commercial real estate ventures, and acquisition, development, and construction projects. Further offerings encompass commercial and industrial loans, mortgages for one-to-four family residences, specialized finance loans and leases, and warehouse lending. Additionally, Flagstar provides various consumer credit options, such as home equity lines of credit, indirect loans for boats and recreational vehicles, point-of-sale consumer financing, and overdraft facilities. Beyond traditional banking, the company offers cash management tools, a selection of non-deposit investment and insurance products, and convenient digital access through online, mobile, and telephone banking platforms. Its primary clientele consists of individual consumers, small to medium-sized businesses, and professional organizations. Established in 1859 and based in Hicksville, New York, the company recently changed its name to Flagstar Financial, Inc. in October 2024, having formerly been known as New York Community Bancorp, Inc.

Mercer Bancorp, Inc. serves as the parent company for Mercer Savings Bank, offering a comprehensive array of financial products and services to individuals and businesses across western Ohio. The institution accepts various deposit accounts, including checking, savings, and certificates of deposit. Its diverse loan portfolio features mortgages for one- to four-family residences and multifamily properties, agricultural and commercial real estate loans, along with construction and land financing. Additionally, they provide home equity lines of credit, commercial and industrial loans, consumer loans, and indirect automobile loans. The company also invests in securities and facilitates convenient online and mobile banking. Established in 1888, its main office is situated in Celina, Ohio.

PFS Bancorp, Inc. functions as the holding company for Peru Federal Savings Bank, a federally chartered mutual savings institution. This entity delivers a broad array of banking and financial solutions to individual consumers and corporate clients across the United States. Its deposit products include various account types such as checking, savings, individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, it offers non-interest-bearing demand accounts, NOW savings accounts, money market accounts, and time deposits. Regarding lending, the bank provides diverse credit facilities, encompassing one-to-four family residential mortgages, multi-family and commercial real estate loans, agricultural real estate financing, and construction and land development loans. It further extends commercial and consumer loans, along with home equity loans and lines of credit. Beyond these core services, the company facilitates electronic banking through mobile and online platforms, bill payment features, and electronic funds transfers via Zelle. The institution also allocates capital to securities investments. PFS Bancorp, Inc. was established in 1887 and its main operations are based in Peru, Illinois.