{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-25-004471","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2025-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.491295+00:00","generated_at":"2026-05-23T09:57:31.630843+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 Q1 2025 net earnings $4.3M ($0.82/share), NIM expands to 3.51%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-25-004471","json":"https://secwatch.observer/filing/0001654954-25-004471.json","markdown":"https://secwatch.observer/filing/0001654954-25-004471.md","text":"https://secwatch.observer/filing/0001654954-25-004471.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425004471/0001654954-25-004471-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425004471/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:57:31.630843+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"}