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Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina (PEBK) investor relations material
Peoples Bancorp of North Carolina Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary19 Oct, 2026
Executive summary
Q3 2026 net earnings rose to $5.7 million from $3.7 million YoY; diluted EPS increased to $1.05 from $0.67.
Nine-month net earnings were $15.4 million, up from $13.2 million; higher net interest income and lower noninterest expense were partly offset by higher credit-loss provision and lower noninterest income.
Financial highlights
Q3 net interest income was $16.7 million vs. $15.1 million YoY; provision for credit losses fell to $250,000 from $530,000.
Nine-month net interest income was $47.8 million vs. $43.7 million; provision for credit losses increased to $1.1 million from $585,000.
Q3 noninterest income was $6.7 million vs. $7.1 million, while noninterest expense fell to $15.8 million from $16.9 million.
Nine-month noninterest income was $20.3 million vs. $21.3 million; noninterest expense was $47.2 million vs. $47.3 million.
Assets were $1.76 billion at September 30, 2026 vs. $1.70 billion at December 31, 2025; loans were $1.30 billion vs. $1.20 billion.
Outlook and guidance
Management expects continued moderate economic growth in local markets, citing stable conditions and ongoing business growth and investment.
Growth focus remains local and contiguous or nearby markets; acquisitions may be considered but are not viewed as necessary for shareholder returns.
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Latest events from Peoples Bancorp of North Carolina
- Q2 2026 net income was $5.2M, supported by higher net interest income and loan growth.PEBK
Q2 2026 - Q1 2026 net earnings increased to $4.4M, with strong loan growth and robust capital ratios.PEBKQ1 2026
- 2026 proxy covers director elections, say-on-pay, auditor ratification, and strong 2025 results.PEBKProxy filing
- Earnings surged in 2025, driven by higher income, asset growth, and a one-time property gain.PEBKQ4 2025
- Earnings increased, capital remained strong, and shareholders will vote on key governance items.PEBKProxy Filing
- Year-to-date earnings and margins improved, with a $3.6 million legal gain expected.PEBKQ3 2025
- Q2 2025 earnings rose on higher net interest income, asset growth, and stable credit quality.PEBKQ2 2025
- Net earnings rose to $12.8M YTD, with strong capital and stable asset quality despite storm impacts.PEBKQ3 2024
- Earnings rose on higher non-interest income and lower credit losses, with strong capital and new buyback.PEBKQ2 2024
Next Peoples Bancorp of North Carolina earnings date
Q4 202615 Jan, 2027
Peoples Bancorp of North Carolina
Next Peoples Bancorp of North Carolina earnings date
Q4 202615 Jan, 2027
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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.