Here are the 10-K annual reports from Peoples Bancorp of North Carol (PEBK) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow PEBK and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full PEBK filings page.
Peoples Bancorp of North Carolina, Inc. files its annual report describing a community-focused bank holding company built around Peoples Bank in the Catawba Valley region of North Carolina. The bank operates 15 branches plus loan production offices serving individuals and small to mid-sized businesses.
At December 31, 2025, the company reported total assets of $1.70 billion, net loans of $1.20 billion, deposits of $1.51 billion, total securities of $380.0 million, and shareholders’ equity of $157.1 million. Capital ratios were comfortably above regulatory minimums, with the bank’s Tier 1 leverage ratio at 11.13% and total risk-based capital at 15.70%.
The filing details disciplined lending, investment, and risk-management policies, including CECL-based credit loss provisioning, detailed board-level oversight of loan quality, and a conservative investment framework. It also highlights regulatory compliance, cybersecurity programs, anti‑money‑laundering controls, human capital and culture initiatives, and extensive risk factors tied to the economy, interest rates, deposits, technology and regulation.