Peoples Bancorp of North Carolina, Inc. (PEBK)

PEBK Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	72.12	67.25	62.92	55.51	43.08	41.19
Interest Income on Investments	14.15	16.37	17.81	16.36	11.35	5.99
Total Interest Income	86.27	83.62	80.73	71.86	54.43	47.18
Interest Paid on Deposits	22.26	23.64	24.55	14.65	2.58	2.78
Interest Paid on Borrowings	0.89	0.96	2.1	2.5	0.74	0.42
Total Interest Expense	23.15	24.6	26.65	17.14	3.32	3.21
Net Interest Income	63.12	59.02	54.08	54.72	51.11	43.97
Net Interest Income Growth	9.83%	9.13%	-1.17%	7.07%	16.22%	-0.34%
Mortgage Banking Activities	0.51	0.33	0.36	0.3	0.39	2.51
Gain (Loss) on Sale of Assets	3.01	3.01	-	0.18	-0.09	0.11
Gain (Loss) on Sale of Investments	-0.07	-0.08	0.01	-2.49	-	-
Other Non-Interest Income	26.49	27.72	27.35	24.92	26.38	22.29
Total Non-Interest Income	29.93	30.98	27.72	22.91	26.69	24.92
Non-Interest Income Growth	5.36%	11.78%	20.95%	-14.14%	7.10%	8.75%
Revenues Before Loan Losses	93.05	90	81.79	77.63	77.8	68.89
Provision for Loan Losses	1.46	0.94	-0.29	1.57	1.47	-1.16
Revenue	91.6	89.06	82.08	76.07	76.33	70.06
Revenue Growth	7.13%	8.50%	7.90%	-0.34%	8.95%	11.59%
Salaries and Employee Benefits	28.48	28.06	28	26.45	25.88	24.33
Federal Deposit Insurance	0.79	0.78	0.76	0.75	0.46	0.42
Selling, General & Administrative	13.21	12.85	12.01	10.62	10.91	10.4
Other Non-Interest Expense	20.62	21.53	20.38	18.33	18.78	15.99
Total Non-Interest Expense	63.09	63.21	61.15	56.14	56.03	51.13
EBT Excluding Unusual Items	28.51	25.85	20.93	19.92	20.3	18.93
Pretax Income	28.51	25.85	20.93	19.92	20.3	18.93
Income Tax Expense	6.52	6.02	4.58	4.38	4.17	3.8
Net Income	21.99	19.83	16.35	15.55	16.12	15.13
Net Income to Common	21.99	19.83	16.35	15.55	16.12	15.13
Net Income Growth	31.25%	21.26%	5.19%	-3.58%	6.54%	33.25%
Basic Shares Outstanding	5	5	5	5	5	6
Diluted Shares Outstanding	5	5	5	6	6	6
Shares Change	-0.32%	-0.21%	-2.27%	-0.90%	-1.52%	-1.25%
EPS (Basic)	4.14	3.74	3.08	2.87	2.94	2.71
EPS (Diluted)	4.02	3.62	2.98	2.77	2.85	2.63
EPS Growth	31.40%	21.48%	7.58%	-2.81%	8.37%	34.87%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.830	0.800	0.760	0.760	0.720	0.660
Dividend Growth	5.06%	5.26%	0%	5.56%	9.09%	10.00%
Effective Tax Rate	22.85%	23.29%	21.86%	21.97%	20.56%	20.05%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 21, 2026

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