---
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"
generated_at: "2026-05-15T05:16:46.395951+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Peoples Bancorp Q1 net earnings $4.4M ($0.80 diluted), NIM 3.68%, dividend raised

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-26-003709
- JSON: https://secwatch.observer/filing/0001654954-26-003709.json
- Plain text: https://secwatch.observer/filing/0001654954-26-003709.txt

## Key facts
- Earnings Releases
  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.
  - Period: first quarter 2026
  - Net income: $4.4 million
  - EPS: $0.83 per share and $0.80 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1093672/000165495426003709/0001654954-26-003709-index.htm

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