{"schema_version":"secwatch.filing_event.v1","accession":"0000318300-25-000041","form_type":"8-K","ticker":"PEBO","cik":"0000318300","company_name":"PEOPLES BANCORP INC","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.950831+00:00","generated_at":"2026-05-27T22:37:44.106035+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Peoples Bancorp Q4 net income $26.9M ($0.76 EPS), down YoY; full-year record $117.2M; declares $0.40 dividend","bullets":["Q4 net income $26.9M ($0.76 diluted EPS) vs $33.8M ($0.96) in Q4 2023; full-year 2024 net income $117.2M ($3.31 EPS), a record.","Net interest margin fell to 4.15% from 4.27% linked quarter due to lower accretion income; accretion contributed 23 bps vs 39 bps.","Provision for credit losses $6.3M (vs $1.3M year ago), driven by higher net charge-offs; negatively impacted EPS by $0.13.","Period-end loan balances grew 5% annualized QoQ; deposits up 2%; nonperforming assets decreased 30% from linked quarter.","Board declared quarterly dividend of $0.40 per common share, unchanged from prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000318300-25-000041","json":"https://secwatch.observer/filing/0000318300-25-000041.json","markdown":"https://secwatch.observer/filing/0000318300-25-000041.md","text":"https://secwatch.observer/filing/0000318300-25-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/318300/000031830025000041/0000318300-25-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/318300/000031830025000041/pebo-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:37:44.106035+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}