secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
CIK:        0001093672
Form:       8-K
Filed at:   2026-01-26T23:59:59+00:00
Accession:  0001654954-26-000585
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1093672/000165495426000585/0001654954-26-000585-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1093672/000165495426000585/pebk_8k.htm
  HTML page:      https://secwatch.observer/filing/0001654954-26-000585

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