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Peoples Bancorp of North Carolina (PEBK) investor relations material
Peoples Bancorp of North Carolina Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Net earnings for Q3 2025 were $3.7 million ($0.70 per share, $0.67 diluted), down from $4.0 million ($0.74 per share, $0.72 diluted) in Q3 2024, mainly due to higher provision for credit losses and non-interest expense, partially offset by higher net interest and non-interest income.
Net earnings for the nine months ended September 30, 2025, were $13.2 million ($2.49 per share, $2.41 diluted), up from $12.8 million ($2.41 per share, $2.33 diluted) in the prior year period.
Annualized return on average assets was 1.05% and return on average equity was 12.52% for the nine months ended September 30, 2025.
Financial highlights
Net interest income for Q3 2025 was $15.1 million, up from $13.5 million in Q3 2024; for the nine months, $43.7 million, up from $40.3 million.
Provision for credit losses increased to $530,000 in Q3 2025 from $297,000 in Q3 2024; for the nine months, $585,000 expense versus a $80,000 recovery in 2024.
Non-interest income for Q3 2025 was $7.1 million, flat year-over-year; for the nine months, $21.3 million, up from $20.7 million, driven by higher appraisal management fee income.
Non-interest expense for Q3 2025 was $16.9 million, up from $15.0 million in Q3 2024; for the nine months, $47.3 million, up from $44.7 million, mainly due to higher professional fees, salaries, and appraisal management fee expense.
Total assets at September 30, 2025, were $1.74 billion, up from $1.65 billion at December 31, 2024.
Loans totaled $1.18 billion at September 30, 2025, up from $1.14 billion at year-end 2024.
Deposits were $1.55 billion at September 30, 2025, up from $1.48 billion at year-end 2024.
Allowance for credit losses on loans was $10.2 million (0.86% of total loans) at September 30, 2025.
Book value per share increased to $27.39 at September 30, 2025.
Outlook and guidance
Management expects continued moderate economic growth in local markets, with stable business conditions and no pronounced national or international economic headwinds.
No significant changes to risk factors or qualitative adjustments in the allowance for credit losses are anticipated.
NCDOT gain recognition timeline?
Construction loan reserve increase drivers?
Stock repurchase program utilization plan?
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Next Peoples Bancorp of North Carolina earnings date
Q4 202520 Jan, 2026
Next Peoples Bancorp of North Carolina earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
Peoples Bancorp of North Carolina, Inc. serves as the holding company for Peoples Bank, a state-chartered commercial bank primarily focused on providing a range of financial services. The bank offers various deposit accounts, including checking, savings, money market, and retirement accounts, along with certificates of deposit and credit and debit card services. Peoples Bank also provides a diverse array of loans, such as commercial real estate, construction, residential mortgage, and ITIN mortgage loans. Additionally, the company offers investment counseling, brokerage services, and real estate appraisal. The company is headquartered in Newton, North Carolina, and its shares are listed on the NASDAQ.
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