---
schema_version: "secwatch.filing_event.v1"
accession: "0000318300-25-000226"
form_type: "8-K"
ticker: "PEBO"
cik: "0000318300"
company_name: "PEOPLES BANCORP INC"
filed_at: "2025-07-28T23:59:59+00:00"
generated_at: "2026-05-18T00:36:19.331766+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, down 27% YoY; provision for credit losses triples to $16.6M

## Summary
- Net income of $21.2 million compared to $29.0 million in Q2 2024; pre-provision net revenue $44.4 million.
- Provision for credit losses rose to $16.6 million from $5.7 million a year ago, driving the earnings decline.
- Net interest income $87.6 million, up 1% YoY; non-interest income $26.9 million, up 13%.
- Tangible book value per share improved to $21.18 from $18.91 (+12% YoY).
- Return on average assets fell to 0.92% from 1.27%; efficiency ratio 59.25% vs 59.19%.

## SEC filing metadata
- accession: 0000318300-25-000226
- form_type: 8-K
- ticker: PEBO
- cik: 0000318300
- company_name: PEOPLES BANCORP INC
- filed_at: 2025-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/318300/000031830025000226/0000318300-25-000226-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/318300/000031830025000226/pebo-20250728.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000318300-25-000226
- JSON: https://secwatch.observer/filing/0000318300-25-000226.json
- Plain text: https://secwatch.observer/filing/0000318300-25-000226.txt

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