Peoples Bancorp Q2 2026 net earnings flat at $5.2M; EPS $0.98 vs $0.97 YoY; NIM expands to 3.80%

PEOPLES BANCORP OF NORTH CAROLINA INC

Net earnings $5.2M ($0.98 basic EPS) vs $5.2M ($0.97) in Q2 2025; diluted EPS $0.96 vs $0.95.
Net interest margin 3.80% for Q2 2026 vs 3.57% a year ago; net interest income rose to $16.0M from $14.6M.
Total loans grew to $1.28B at June 30, 2026, up $75.2M from Dec 31, 2025; provision for credit losses increased to $293K from a recovery of $213K.
Non-performing assets $5.2M (0.29% of assets) vs $4.2M (0.25%) at Dec 31, 2025; allowance for credit losses on loans 0.83% of loans.
Core deposits (non-GAAP) $1.44B, 91.63% of total deposits; cash dividends $0.59 per share YTD vs $0.56 prior year.

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