{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-24-009217","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2024-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.150710+00:00","generated_at":"2026-05-31T18:26:06.049718+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 Q2 net earnings $4.9M ($0.93/sh); NIM narrows to 3.34%","bullets":["Net earnings of $4.9M, or $0.93 per share, up from $4.8M ($0.88/sh) in Q2 2023.","Net interest margin contracted to 3.34% from 3.56% a year ago, driven by higher deposit costs.","Provision for credit losses was a $468K recovery vs. $375K expense last year.","Non-interest income rose to $7.5M (+$1.1M YoY) on higher appraisal and SBIC income.","Total deposits grew to $1.48B; core deposits were 90.02% of total deposits."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-24-009217","json":"https://secwatch.observer/filing/0001654954-24-009217.json","markdown":"https://secwatch.observer/filing/0001654954-24-009217.md","text":"https://secwatch.observer/filing/0001654954-24-009217.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495424009217/0001654954-24-009217-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495424009217/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T18:26:06.049718+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}