{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-000585","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2026-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.528681+00:00","generated_at":"2026-05-16T07:49:01.281859+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Peoples Bancorp Q4 net earnings $6.6M, up 83% YoY; full year EPS $3.62","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-000585","json":"https://secwatch.observer/filing/0001654954-26-000585.json","markdown":"https://secwatch.observer/filing/0001654954-26-000585.md","text":"https://secwatch.observer/filing/0001654954-26-000585.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426000585/0001654954-26-000585-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426000585/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:49:01.281859+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"}