Peoples Bancorp Q4 2024 net earnings $3.6M ($0.65 diluted EPS), up from $3.4M YoY

PEOPLES BANCORP OF NORTH CAROLINA INC

2024-FY EPS reported $2.98

Q4 net earnings $3.6M ($0.65 diluted EPS) vs $3.4M ($0.62) a year ago.
Full year 2024 net earnings $16.4M ($2.98 diluted EPS) vs $15.5M ($2.77).
Net interest margin improved to 3.39% in Q4 from 3.32% YoY; full year margin declined to 3.36% from 3.51%.
Total loans $1.14B, deposits $1.48B; non-performing assets 0.27% of total assets.
Provision for credit losses was a recovery of $205k in Q4; full year recovery $285k vs expense $1.6M.

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