Peoples Bancorp of North Carolina (NASDAQ: PEBK) details Q4 and 2025 earnings

Rhea-AI Filing Summary

Peoples Bancorp of North Carolina, Inc. reported that it issued a press release announcing its fourth quarter and full year 2025 earnings results. The press release is furnished as Exhibit 99(a) and includes forward-looking statements along with cautionary language explaining that actual results may differ materially due to various risks and uncertainties.

The company notes that the exhibit is furnished rather than filed, meaning it is not subject to certain liability provisions under federal securities laws unless specifically incorporated by reference into another registration or reporting document. Management highlights factors such as interest rate changes, economic and market conditions, business strategy, and legislative and regulatory developments as key drivers that could affect future performance, and refers readers to other SEC filings for additional risk factors.

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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): January 26, 2026

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 January 26, 2026

2

Table of Contents

Item 2.02.  Results of Operations and Financial Condition

On January 26, 2026, Peoples Bancorp of North Carolina, Inc. (the “Company”) issued a press release announcing fourth quarter and full year 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 January 26, 2026

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.

3

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: January 26, 2026	By:	/s/ Jeffrey N. Hooper
	Jeffrey N. Hooper
	Executive Vice President and Chief Financial Officer

4

FAQ

What did Peoples Bancorp of North Carolina (PEBK) announce in this report?

The company stated that it issued a press release announcing its fourth quarter and full year 2025 earnings results, which is furnished as Exhibit 99(a).

What is Exhibit 99(a) in the Peoples Bancorp (PEBK) 8-K?

Exhibit 99(a) is the press release issued by Peoples Bancorp of North Carolina, Inc. announcing its fourth quarter and full year 2025 earnings results.

How does Peoples Bancorp (PEBK) describe its forward-looking statements?

The company explains that statements other than those about historical information are forward-looking statements made under safe harbor provisions and involve risks, uncertainties, and management’s beliefs and assumptions.

What risk factors does Peoples Bancorp (PEBK) highlight for its forward-looking statements?

The company cites factors that could cause actual results to differ, including changes in interest rate environment, its business strategy, national, regional, and local market conditions, and legislative and regulatory conditions.

Is Peoples Bancorp (PEBK) required to update its forward-looking statements?

The company states it undertakes no obligation to publicly revise its forward-looking statements to reflect subsequent events or circumstances.

Are the Peoples Bancorp (PEBK) earnings materials considered filed with the SEC?

The company notes that the press release furnished as Exhibit 99(a) is not deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934 and is not subject to those liabilities unless specifically incorporated by reference elsewhere.