{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-23-009544","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2023-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.124566+00:00","generated_at":"2026-06-13T03:59:45.180993+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Bancorp Q2 net earnings up to $4.8M ($0.88 EPS); NIM expands to 3.56%","bullets":["Net earnings $4.8M vs $3.2M YoY; diluted EPS $0.85 vs $0.57.","Net interest margin improved to 3.56% from 2.87%; net interest income +22% to $13.8M.","Non-interest income fell 12% to $6.4M on lower appraisal fees; provision for credit losses down to $375k.","Total loans grew to $1.1B; non-performing assets remain low at 0.22% of assets.","Adopted CECL effective Jan 1, 2023; initial $838k net retained earnings reduction."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-23-009544","json":"https://secwatch.observer/filing/0001654954-23-009544.json","markdown":"https://secwatch.observer/filing/0001654954-23-009544.md","text":"https://secwatch.observer/filing/0001654954-23-009544.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423009544/0001654954-23-009544-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423009544/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:59:45.180993+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":"4ee71f3e25c82a4bc4fe7545268624b2b6996a9c","claim":"PEOPLES BANCORP OF NORTH CAROLINA INC reported the three months ended June 30, 2023 results: net income $4.8 million, EPS $0.88 per share and $0.85 per diluted share.","evidence_excerpt":"Net earnings were $4.8 million or $0.88 per share and $0.85 per diluted share for the three months ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423009544/0001654954-23-009544-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Net income","value":"$4.8 million"},{"label":"EPS","value":"$0.88 per share and $0.85 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"af3115a1c934663b7fd65488dcf56479f03f9c14","claim":"PEOPLES BANCORP OF NORTH CAROLINA INC reported the six months ended June 30, 2023 results: net income $8.0 million, EPS $1.46 per share and $1.41 per diluted share.","evidence_excerpt":"Net earnings were $8.0 million or $1.46 per share and $1.41 per diluted share for the six months ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1093672/000165495423009544/0001654954-23-009544-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the six months ended June 30, 2023"},{"label":"Net income","value":"$8.0 million"},{"label":"EPS","value":"$1.46 per share and $1.41 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"}