---
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"
generated_at: "2026-05-16T07:49:01.281859+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-26-000585
- JSON: https://secwatch.observer/filing/0001654954-26-000585.json
- Plain text: https://secwatch.observer/filing/0001654954-26-000585.txt

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