Peoples Bancorp of North Carolina, Inc. (PEBK) announced its third‑quarter 2025 results on October 20, 2025. Net earnings for the three months ended September 30, 2025 were $3.7 million, or $0.70 per share and $0.67 per diluted share, compared with $4.0 million, $0.74 per share and $0.72 per diluted share for the same period a year earlier.
The bank’s net interest margin rose to 3.58% for the quarter, up from 3.35% in the prior year, indicating improved efficiency in its core lending and deposit operations.
Net earnings declined 7.5% year‑over‑year, but the margin improvement helped offset the drop, suggesting that core operations remain stable while the bank continues to manage interest‑rate exposure effectively.
No material changes to guidance or capital plans were disclosed in the release, and the results reinforce PEBK’s well‑capitalized status and ongoing focus on community banking.
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