Peoples Bancorp Q3 net earnings $3.7M ($0.67 diluted), down from $4.0M YoY; NIM expands to 3.58%

PEOPLES BANCORP OF NORTH CAROLINA INC

2025-Q3 EPS reported $2.41

Net earnings fell to $3.7M ($0.67 diluted) vs $4.0M ($0.72) in Q3 2024; provision for credit losses rose to $530K from $297K.
Net interest margin widened to 3.58% from 3.35% YoY; net interest income increased to $15.1M from $13.5M.
Non-interest expense jumped to $16.9M from $15.0M, driven by higher legal fees, debit card expense, and salary costs.
Total loans grew to $1.18B and deposits to $1.55B; non-performing assets remained at 0.29% of total assets.
Court bench ruling favors Bank in NCDOT eminent domain case; expects additional $3.6M gain upon final order.

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