---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-21-008040"
form_type: "8-K"
ticker: "PEBK"
cik: "0001093672"
company_name: "PEOPLES BANCORP OF NORTH CAROLINA INC"
filed_at: "2021-07-19T23:59:59+00:00"
generated_at: "2026-06-30T04:22:38.829288+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q2 net earnings $0.80 diluted EPS, nearly doubling YoY; provision credit boosts results

## Summary
- Q2 2021 net earnings $4.6M ($0.80 diluted EPS) vs $2.6M ($0.44) in Q2 2020.
- Net interest income rose to $11.7M from $10.7M, helped by $1.5M PPP fee income.
- Provision for loan losses was a credit of $226k vs expense of $1.4M a year ago.
- Total loans $888.4M, down from $948.6M at Dec 2020; PPP loans fell to $37.5M from $75.8M.
- Non-performing assets improved to 0.21% of total assets from 0.27% at Dec 2020.

## SEC filing metadata
- accession: 0001654954-21-008040
- form_type: 8-K
- ticker: PEBK
- cik: 0001093672
- company_name: PEOPLES BANCORP OF NORTH CAROLINA INC
- filed_at: 2021-07-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/1093672/000165495421008040/0001654954-21-008040-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1093672/000165495421008040/pebk_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-21-008040
- JSON: https://secwatch.observer/filing/0001654954-21-008040.json
- Plain text: https://secwatch.observer/filing/0001654954-21-008040.txt

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