Peoples Bancorp Q1 2025 net earnings $4.3M ($0.82/share), NIM expands to 3.51%

PEOPLES BANCORP OF NORTH CAROLINA INC

2025-Q1 EPS reported $0.79

Net earnings $4.3M ($0.82/share diluted $0.79) vs $3.9M ($0.74/$0.72) a year ago.
Net interest margin improved to 3.51% from 3.33% YoY; net interest income $13.9M.
Total loans $1.15B, deposits $1.52B; core deposits 90.22% of total deposits.
Cash dividend increased to $0.36/share from $0.35; non-performing assets 0.30% of assets.
Provision for credit losses $268K vs $91K, partly due to commercial construction loan growth.

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