[8-K] Peoples Bancorp of North Carol Reports Material Event

Rhea-AI Filing Summary

Insights

Event Analyst

8-K only announces Q2 earnings release; no figures disclosed, so market impact indeterminate.

The filing reports under Item 2.02 that Peoples Bancorp of North Carolina furnished its second-quarter 2025 earnings press release as Exhibit 99(a). Because the exhibit is “furnished” rather than “filed,” the company avoids Section 18 liability; this is standard practice for earnings announcements and signals no unusual regulatory concerns.

The document itself contains no revenue, EPS, or balance-sheet data, nor any changes to prior guidance. Therefore, investors must consult the attached press release to gauge performance. Absent those numbers, the 8-K’s direct informational value is limited to confirming the timing of the release and reiterating standard forward-looking-statement cautions.

From a governance standpoint, the filing meets disclosure requirements and maintains transparent communication cadence. However, without quantitative results inside the core text, one cannot assess whether the quarter was favorable or adverse. Consequently, the immediate impact of this specific filing on valuation or risk perception is neutral; any market reaction will hinge entirely on the metrics found in Exhibit 99(a), not on the body of the 8-K.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________________________

FORM 8-K

CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 21, 2025

Peoples Bancorp of North Carolina, Inc.

(Exact Name of Registrant as Specified in Its Charter)

North Carolina

(State or Other Jurisdiction of Incorporation)

000-27205		56-2132396
(Commission File No.)		(IRS Employer Identification No.)
518 West C Street, Newton, North Carolina		28658
(Address of Principal Executive Offices)		(Zip Code)

(828) 464-5620

(Registrant’s Telephone Number, Including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
	☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
	☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
	☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
	☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Peoples Bancorp of North Carolina, Inc.
INDEX
		Page
Item 2.02 – Results of Operations and Financial Condition		3
Item 9.01 – Financial Statements and Exhibits		3
Signatures		4
Exhibit (99)(a) Press Release dated July 21, 2025		5

2

Table of Contents

Item 2.02. Results of Operations and Financial Condition

On July 21, 2025, Peoples Bancorp of North Carolina, Inc. (the “Company”) issued a press release announcing second quarter 2025 earnings results. The press release contains forward-looking statements regarding the Company and includes cautionary language identifying important factors that could cause actual results to differ materially from those anticipated. The press release is furnished as Exhibit 99(a). Consequently, it is not deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. Such materials may only be incorporated by reference into another filing under the Exchange Act or the Securities Act of 1933 if such subsequent filing specifically references this Form 8-K.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

(99)(a) Press Release dated July 21, 2025

Disclosure about forward-looking statements

Statements made in this Form 8-K, other than those concerning historical information, should be considered forward-looking statements pursuant to the safe harbor provisions of the Securities Exchange Act of 1934 and the Private Securities Litigation Act of 1995. These forward-looking statements involve risks and uncertainties and are based on the beliefs and assumptions of management and on the information available to management at the time that this report was prepared. These statements can be identified by the use of words like “expect,” “anticipate,” “estimate,” and “believe,” variations of these words and other similar expressions. Readers should not place undue reliance on forward-looking statements as a number of important factors could cause actual results to differ materially from those in the forward-looking statements. Factors that might cause such a difference include, but are not limited to, changes in interest rate environment, management’s business strategy, national, regional, and local market conditions and legislative and regulatory conditions.

The Company undertakes no obligation to publicly revise these forward-looking statements to reflect subsequent events or circumstances. Readers should also carefully review the risk factors described in other documents the Company files from time to time with the Securities and Exchange Commission.

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Table of Contents

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	PEOPLES BANCORP OF NORTH CAROLINA, INC.
Date: July 21, 2025	By:	/s/ Jeffrey N. Hooper
	Jeffrey N. Hooper
	Executive Vice President and Chief Financial Officer

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