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PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) filed an 8-K current report with the SEC on July 20, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Second-quarter 2026 earnings announced July 20, 2026.
PEOPLES BANCORP OF NORTH CAROLINA INC 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Second-quarter 2026 earnings announced July 20, 2026
- Detailed financial results furnished in Exhibit 99(a), requiring review for earnings and operating metrics
- Forward-looking statements subject to risks that could materially affect actual results
Item EX-99.1 · Exhibit EX-99.1
- Q2 net earnings $5.2M, or $0.96 diluted EPS, versus $5.2M and $0.95; stable profitability despite higher credit costs
- Net interest margin expanded to 3.80% from 3.57%, lifting net interest income to $16.0M from $14.6M
- Loans grew to $1.28B from $1.20B, while deposits reached $1.57B from $1.51B, supporting balance-sheet expansion
- Provision for credit losses increased to $293,000 from a $213,000 recovery; non-performing assets rose to $5.2M, or 0.29% of assets
- Appraisal management fee income fell $929,000, contributing to lower non-interest income of $7.1M versus $7.7M
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