---
schema_version: "secwatch.filing_event.v1"
accession: "0001654954-25-008238"
form_type: "8-K"
ticker: "PEBK"
cik: "0001093672"
company_name: "PEOPLES BANCORP OF NORTH CAROLINA INC"
filed_at: "2025-07-21T23:59:59+00:00"
generated_at: "2026-05-18T04:56:29.904939+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q2 EPS $0.97 vs $0.89 a year ago; net interest margin expands to 3.57%

## Summary
- Q2 2025 net earnings $5.2M ($0.97 basic EPS) vs $4.9M ($0.93 basic EPS) in Q2 2024.
- Net interest margin expanded to 3.57% from 3.35% year-over-year.
- Loans $1.16B (up from $1.14B at Dec 2024); deposits $1.51B (up from $1.48B).
- Non-performing assets flat at $4.8M, 0.28% of total assets.
- YTD cash dividends increased to $0.56 per share from $0.54.

## SEC filing metadata
- accession: 0001654954-25-008238
- form_type: 8-K
- ticker: PEBK
- cik: 0001093672
- company_name: PEOPLES BANCORP OF NORTH CAROLINA INC
- filed_at: 2025-07-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1093672/000165495425008238/0001654954-25-008238-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1093672/000165495425008238/pebk_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-25-008238
- JSON: https://secwatch.observer/filing/0001654954-25-008238.json
- Plain text: https://secwatch.observer/filing/0001654954-25-008238.txt

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