{"schema_version":"secwatch.filing_event.v1","accession":"0001654954-26-006729","form_type":"8-K","ticker":"PEBK","cik":"0001093672","company_name":"PEOPLES BANCORP OF NORTH CAROLINA INC","filed_at":"2026-07-20T13:30:27+00:00","discovered_at":"2026-07-20T13:31:00.432055+00:00","generated_at":"2026-07-20T13:31:06.831439+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 Q2 2026 net earnings flat at $5.2M; EPS $0.98 vs $0.97 YoY; NIM expands to 3.80%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001654954-26-006729","json":"https://secwatch.observer/filing/0001654954-26-006729.json","markdown":"https://secwatch.observer/filing/0001654954-26-006729.md","text":"https://secwatch.observer/filing/0001654954-26-006729.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426006729/0001654954-26-006729-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1093672/000165495426006729/pebk_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-20T13:31:06.831439+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}