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Peoples Bancorp of North Carolina (PEBK) reported steady Q3 2025 performance. Net earnings were $3.692 million, with basic/diluted EPS of $0.70/$0.67. For the nine months, net earnings reached $13.197 million and EPS was $2.49/$2.41.
Net interest income rose to $15.119 million in Q3 from $13.549 million a year ago, while the provision for credit losses was $0.530 million. Noninterest income was $7.127 million, led by appraisal management fee income of $3.601 million. Noninterest expense increased to $16.924 million from $15.016 million, reflecting higher salaries, professional fees, and debit card expense.
As of September 30, 2025, total assets were $1.738 billion, loans were $1.183 billion, and deposits were $1.553 billion. Accumulated other comprehensive loss improved to $29.346 million from $39.157 million at December 31, 2024, as unrealized losses on available-for-sale securities narrowed to $38.4 million from $51.1 million. The allowance for credit losses was $10.206 million, and nonaccrual loans totaled $5.113 million. The company declared cash dividends of $0.20 per share in Q3 and had 5,459,441 common shares outstanding at October 31, 2025.
Peoples Bancorp of North Carolina (PEBK) reported an insider transaction by a director. On November 3, 2025, the director sold 800 shares of common stock at $29.05 (transaction code S). Following the sale, holdings were reported as 67,226 shares direct, plus indirect holdings of 38,200 shares attributed to the director’s son and 70,441 shares noted under “VP, Sec & Chairman of Alexander Railroad.”
Peoples Bancorp of North Carolina (PEBK) director James S. Abernethy reported sales of common stock on 10/28/2025: 319 shares at $31.00 and 281 shares at $30.90, both held indirectly via his son.
Following these transactions, the filing lists beneficial ownership of 68,026 shares direct and 70,441 shares indirect through VP, Secretary & Chairman of Alexander Railroad.
James S. Abernethy, a director of Peoples Bancorp of North Carolina, reported a sale on 09/03/2025. The Form 4 shows he sold 600 shares of the issuer's common stock at $31.01 per share. After the transaction the filing reports 38,800 shares beneficially owned indirectly. The Form 4 is filed individually and signed on 09/04/2025.
Form 144 notice for Peoples Bancorp of North Carol (PEBK) reports a proposed sale of 600 common shares to be executed through Wells Fargo Clearing Services on 09/03/2025 with an aggregate market value of $18,331.59. The filing states these 600 shares were acquired by inheritance on 11/30/2020 from Christine Abernethy and the seller represents no undisclosed material adverse information about the issuer. The form also discloses three prior sales by related persons in the past three months: 600 shares on 08/04/2025 (gross proceeds $16,551.45), 600 shares on 07/31/2025 ($16,883.05), and 600 shares on 08/25/2025 ($18,414.07).
James S. Abernethy, a director of Peoples Bancorp of North Carolina, reported an open-market sale of 600 shares of the issuer's common stock on 08/25/2025 at an average price of $31.15 per share. After the sale, Mr. Abernethy is shown as directly owning 68,026 shares; he also reports 39,400 shares indirectly for his son and 70,441 shares indirectly in a role listed as VP, Sec & Chairman of Alexander Railroad. The Form 4 is signed by Mr. Abernethy on 08/26/2025. The filing discloses a single non-derivative sale and lists current direct and indirect beneficial ownership amounts as reported.
Form 144 Notice: This filing records a proposed sale of 600 common shares of Peoples Bancorp of North Carolina (PEBK) through Wells Fargo Clearing Services on Nasdaq, with an approximate sale date of 08/25/2025 and an aggregate market value of $18,414.07. The shares were acquired by inheritance on 11/30/2020 from Christine Abernethy and the filing shows the same 600-share lot. The filing also discloses recent related sales in the past three months: 600 shares sold by James Abernethy on 08/04/2025 for $16,551.45 and 600 shares sold by Adrian Abernethy on 07/31/2025 for $16,883.05. The notice includes the standard signature representation that the seller is not aware of undisclosed material adverse information.
James S. Abernethy, a director of Peoples Bancorp of North Carolina, reported multiple dispositions of the issuer's common stock on 08/20/2025. The filing shows four gift transactions totaling 3,050 shares disposed at a reported price of $29.76 per share. After these reported transactions the filing indicates 68,626 shares held directly by the reporting person. The Form 4 also discloses 39,400 shares held indirectly for his son and 70,441 shares held indirectly in the capacity of Vice President, Secretary and Chairman of Alexander Railroad. The filing is signed and dated 08/21/2025 and includes brief explanations that the disposals were gifts to his son, Newton Depot, and his daughter.
Form 4 filed by James S. Abernethy (Director) reporting a sale and current holdings in Peoples Bancorp of North Carolina, Inc. (PEBK).
- Transaction: Sale of 600 shares of Common Stock on 08/04/2025 at $28.01.
- Direct beneficial ownership after transaction: 71,676 shares.
- Indirect holdings reported: 38,800 shares (Son) and 70,441 shares (VP, Sec & Chairman of Alexander Railroad).
- Form signed: /s/ James S. Abernethy on 08/05/2025.