{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-25-001389","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2025-02-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.910618+00:00","generated_at":"2026-05-26T22:41:40.412926+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 2024 net earnings $3.6M ($0.65 diluted EPS), up from $3.4M YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-25-001389","json":"https://secwatch.observer/filing/0001654954-25-001389.json","markdown":"https://secwatch.observer/filing/0001654954-25-001389.md","text":"https://secwatch.observer/filing/0001654954-25-001389.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425001389/0001654954-25-001389-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425001389/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T22:41:40.412926+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"}