{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-25-011957","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2025-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.774016+00:00","generated_at":"2026-05-17T03:11:07.416205+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Peoples Bancorp Q3 net earnings $3.7M ($0.67 diluted), down from $4.0M YoY; NIM expands to 3.58%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-25-011957","json":"https://secwatch.observer/filing/0001654954-25-011957.json","markdown":"https://secwatch.observer/filing/0001654954-25-011957.md","text":"https://secwatch.observer/filing/0001654954-25-011957.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425011957/0001654954-25-011957-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495425011957/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:11:07.416205+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"}