---
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"
generated_at: "2026-07-20T13:31:06.831439+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1093672/000165495426006729/0001654954-26-006729-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1093672/000165495426006729/pebk_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001654954-26-006729
- JSON: https://secwatch.observer/filing/0001654954-26-006729.json
- Plain text: https://secwatch.observer/filing/0001654954-26-006729.txt

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