---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-21-011317"
form_type: "8-K"
ticker: "PEBK"
cik: "0001093672"
company_name: "PEOPLES BANCORP OF NORTH CAROLINA INC"
filed_at: "2021-10-25T23:59:59+00:00"
generated_at: "2026-06-28T18:20:21.477296+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q3 net earnings fall to $3.4M from $4.5M; EPS $0.59 vs $0.78

## Summary
- Diluted EPS $0.59 vs $0.78 YoY; net earnings $3.4M vs $4.5M.
- Net interest income $10.6M vs $10.9M; provision recovery of $182K vs provision of $522K.
- Non-interest income down to $6.0M from $7.1M on lower securities gains.
- Total assets $1.6B, up from $1.4B at Dec 2020; deposits $1.4B vs $1.2B.
- Non-performing assets 0.17% of total assets vs 0.27% at Dec 2020.

## SEC filing metadata
- accession: 0001654954-21-011317
- form_type: 8-K
- ticker: PEBK
- cik: 0001093672
- company_name: PEOPLES BANCORP OF NORTH CAROLINA INC
- filed_at: 2021-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1093672/000165495421011317/0001654954-21-011317-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1093672/000165495421011317/pebk_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-21-011317
- JSON: https://secwatch.observer/filing/0001654954-21-011317.json
- Plain text: https://secwatch.observer/filing/0001654954-21-011317.txt

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