{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-23-000656","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.843386+00:00","generated_at":"2026-06-20T11:30:01.516685+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Peoples Bancorp Q4 2022 earnings rise to $0.76/share; full-year EPS $2.85 vs $2.63","bullets":["Q4 net earnings $4.1M ($0.76 basic, $0.74 diluted) vs $3.0M ($0.55 basic) a year ago.","Full-year net earnings $16.1M ($2.94 basic, $2.85 diluted) vs $15.1M ($2.71 basic) in 2021.","Net interest margin expanded to 3.22% from 2.99%; total loans grew to $1.0B (up $115M YoY).","Cash dividend increased to $0.87 per share in 2022 from $0.66 in 2021.","Non-performing assets remain low at 0.23% of total assets; provision for loan losses increased to $1.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-23-000656","json":"https://secwatch.observer/filing/0001654954-23-000656.json","markdown":"https://secwatch.observer/filing/0001654954-23-000656.md","text":"https://secwatch.observer/filing/0001654954-23-000656.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423000656/0001654954-23-000656-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423000656/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:30:01.516685+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":[{"claim_id":"4cee67fb7ac1604b77c3f13785cd66b7f25de056","claim":"PEOPLES BANCORP OF NORTH CAROLINA INC reported the three months ended December 31, 2022 results: net income $4.1 million, EPS $0.76 per share and $0.74 per diluted share.","evidence_excerpt":"Net earnings were $4.1 million or $0.76 per share and $0.74 per diluted share for the three months ended December 31, 2022, as compared to $3.0 million or $0.55 per share and $0.53 per diluted share for the same period one year ago.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423000656/0001654954-23-000656-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$4.1 million"},{"label":"EPS","value":"$0.76 per share and $0.74 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9e215aad3d400c372f1818d7673ac00cf975a3a7","claim":"PEOPLES BANCORP OF NORTH CAROLINA INC reported the year ended December 31, 2022 results: net income $16.1 million, EPS $2.94 per share and $2.85 per diluted share.","evidence_excerpt":"Net earnings were $16.1 million or $2.94 per share and $2.85 per diluted share for the year ended December 31, 2022, as compared to $15.1 million or $2.71 per share and $2.63 per diluted share for the year ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423000656/0001654954-23-000656-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Net income","value":"$16.1 million"},{"label":"EPS","value":"$2.94 per share and $2.85 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}