PEOPLES BANCORP OF NORTH CAROLINA INC — Form 8-K
Filed October 19, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 42/100
What the filing says
Peoples Bancorp reported Q3 2026 net earnings of $5.7M ($1.08/share diluted) vs. $3.7M ($0.67/share) in Q3 2025—a 57% increase. Year-to-date 2026 net earnings reached $15.4M ($2.81/share diluted) vs. $13.2M ($2.41/share) in 9M 2025. Net interest margin improved to 3.85% (Q3) and 3.78% (9M 2026) from 3.58% and 3.55% respectively. Total loans grew $98.6M (8.2%) to $1.30B; deposits grew $60.6M (4.0%) to $1.57B. Non-performing assets held steady at 0.25% of total assets; allowance for credit losses on loans at 0.82%. Dividend increased to $0.80/share YTD vs. $0.76 prior year.
Why this rating
Earnings growth solid but modest relative to market cap (~$133.6M). Improving NIM and loan growth are favorable, but company remains small regional bank with stable, incremental performance—not transformational.
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