Peoples Bancorp Q4 net earnings $6.6M, up 83% YoY; full year EPS $3.62

PEOPLES BANCORP OF NORTH CAROLINA INC

2025-FY EPS reported $3.62

Q4 2025 net earnings $6.6M ($1.25/$1.21 per share), including $3.0M net gain from NCDOT eminent domain, vs $3.6M ($0.67/$0.65) in Q4 2024.
Full year 2025 net earnings $19.8M ($3.74/$3.62 per share) vs $16.4M ($3.08/$2.98) prior year, a 20.7% increase.
Net interest margin improved to 3.62% in Q4 2025 (3.39% a year ago); full year 3.57% vs 3.36%.
Non-performing assets declined to $4.2M or 0.25% of total assets at Dec 2025 vs $4.8M (0.29%) a year earlier.
Annual cash dividend increased to $0.96 per share from $0.92, a 4.3% rise.

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