---
schema_version: "secwatch.filing_event.v1"
accession: "0000318300-25-000222"
form_type: "8-K"
ticker: "PEBO"
cik: "0000318300"
company_name: "PEOPLES BANCORP INC"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:38:15.318286+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q2 net income $21.2M ($0.59 EPS), down from Q1 $24.3M; provision $16.6M

## Summary
- Net income $21.2M, diluted EPS $0.59 vs $0.68 in Q1 2025 and $0.82 in Q2 2024.
- Provision for credit losses $16.6M, up from $10.2M linked quarter and $5.7M year ago.
- Net interest income $87.6M, up 3% linked quarter; NIM 4.15% vs 4.12% linked quarter.
- Period-end loans +$173.1M (11% annualized); deposits -$97.5M; criticized loans +$17.9M.
- Quarterly dividend declared $0.41/share, unchanged from prior quarter.

## SEC filing metadata
- accession: 0000318300-25-000222
- form_type: 8-K
- ticker: PEBO
- cik: 0000318300
- company_name: PEOPLES BANCORP INC
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/318300/000031830025000222/0000318300-25-000222-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/318300/000031830025000222/pebo-20250722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000222
- JSON: https://secwatch.observer/filing/0000318300-25-000222.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000222.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.