{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-24-013139","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2024-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.640518+00:00","generated_at":"2026-05-30T12:15:21.451274+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Peoples Bancorp Q3 2024 net earnings $4.0M ($0.72 diluted), down from $4.1M a year ago","bullets":["Net earnings $4.0M ($0.72 diluted) vs $4.1M ($0.74 diluted) in Q3 2023; YTD net earnings $12.8M vs $12.1M.","Net interest margin 3.35% for Q3 vs 3.39% a year ago; net interest income $13.5M, up $0.2M.","Provision for credit losses $297K vs $562K in Q3 2023; includes $669K reserve for Hurricane Helene exposure.","Non-interest expense $15.0M, up $0.7M, driven by $362K leasehold write-off for closed Cary branch and higher appraisal fees.","Total loans $1.12B (+2.8% vs Dec 2023); non-performing assets 0.24% of total assets, unchanged."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-24-013139","json":"https://secwatch.observer/filing/0001654954-24-013139.json","markdown":"https://secwatch.observer/filing/0001654954-24-013139.md","text":"https://secwatch.observer/filing/0001654954-24-013139.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495424013139/0001654954-24-013139-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495424013139/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T12:15:21.451274+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"}