{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-003709","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2026-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.941206+00:00","generated_at":"2026-05-15T05:16:46.395951+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Peoples Bancorp Q1 net earnings $4.4M ($0.80 diluted), NIM 3.68%, dividend raised","bullets":["Net earnings $4.4M, diluted EPS $0.80 vs $0.79 YoY; dividend $0.38/share vs $0.36.","Net interest margin 3.68% vs 3.51% YoY; net interest income $15.1M vs $13.9M.","Total loans $1.24B (+$38.9M from Dec 2025); NPAs 0.28% of assets vs 0.25%.","Core deposits $1.40B (90.7% of total deposits) vs $1.35B at Dec 2025.","Provision for credit losses $560K vs $268K YoY, driven by loan growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-003709","json":"https://secwatch.observer/filing/0001654954-26-003709.json","markdown":"https://secwatch.observer/filing/0001654954-26-003709.md","text":"https://secwatch.observer/filing/0001654954-26-003709.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426003709/0001654954-26-003709-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426003709/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:16:46.395951+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":[{"claim_id":"8921d95982db0cc7ab6eed40acf489cba1bfb464","claim":"PEOPLES BANCORP OF NORTH CAROLINA INC reported first quarter 2026 results: net income $4.4 million, EPS $0.83 per share and $0.80 per diluted share.","evidence_excerpt":"Peoples Bancorp of North Carolina, Inc. (NASDAQ: PEBK) (the “Company”), the parent company of Peoples Bank (the “Bank”), reported first quarter 2026 results with highlights as follows: First quarter 2026 highlights: · Net earnings were $4.4 million or $0.83 per share and $0.80 per diluted share for the three months ended March 31, 2026, as compared to $4.3 million or $0.82 per share and $0.79 per diluted share for the same period one year ago.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426003709/0001654954-26-003709-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2026"},{"label":"Net income","value":"$4.4 million"},{"label":"EPS","value":"$0.83 per share and $0.80 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}