---
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"
generated_at: "2026-05-23T09:57:31.630843+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-25-004471
- JSON: https://secwatch.observer/filing/0001654954-25-004471.json
- Plain text: https://secwatch.observer/filing/0001654954-25-004471.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.