PEBK on Nasdaq
PEOPLES BANCORP OF NORTH CAROLINA INC
American state commercial bank, incorporated in North Carolina1
In its 2026 annual report the company says: “The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended. The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any. The Company has no operations and conducts no business of its own other than owning the Bank and PEBK Capital Trust II.”3 It is headquartered in Newton, North Carolina.1
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Last updated Oct 20, 2026.
Overview
- TickerPEBK on Nasdaq1
- IndustryState Commercial Banks1
- HeadquartersNewton, North Carolina1
- Incorporated inNC2
- Business address518 West C Street, Po Box 467, Newton, Nc 28658-40072
- Filer categoryAccelerated filer, Smaller reporting company2
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Peoples Bancorp of North Carolina, Inc. (the “Company”), was formed in 1999 to serve as the holding company for Peoples Bank (the “Bank”). The Company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve”) under the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Company’s principal source of income is dividends declared and paid by the Bank on its capital stock, if any. The Company has no operations and conducts no business of its own other than owning the Bank and PEBK Capital Trust II. Accordingly, the discussion of the business which follows primarily concerns the business conducted by the Bank. Our principal executive offices are located at 518 West C Street, Newton, North Carolina, 28658, and our telephone number is (828) 464-5620.3 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $67.3M | $62.9M |
| Interest on due from banks | $2.8M | $2.8M |
| U.S. Government sponsored enterprises | $8.4M | $10.0M |
| States and political subdivisions | $2.8M | $2.8M |
| Other | $2.3M | $2.3M |
| Total interest income | $83.6M | $80.7M |
| Now, MMDA & savings deposits | $11.1M | $10.2M |
| Time deposits | $12.5M | $14.3M |
| Junior subordinated debentures | $959.0K | $1.1M |
| Other | $0 | $985.0K |
| Total interest expense | $24.6M | $26.7M |
| Net interest income | $59.0M | $54.1M |
| Provision for (recovery of) credit losses | $938.0K | -$285.0K |
| Net interest income after provision for credit losses | $58.1M | $54.4M |
| Service charges | $5.6M | $5.7M |
| Other service charges and fees | $696.0K | $685.0K |
| Gain ( loss) on sale of securities, net | -$78.0K | $5.0K |
| Gain on sale of premises and equipment | $3.0M | $0 |
| Mortgage banking income | $327.0K | $357.0K |
| Insurance and brokerage commissions | $1.0M | $989.0K |
| Appraisal management fee income | $13.7M | $11.7M |
| Miscellaneous | $6.7M | $8.3M |
| Total non-interest income | $31.0M | $27.7M |
| Salaries and employee benefits | $28.2M | $28.2M |
| Occupancy | $8.9M | $8.7M |
| Professional fees | $2.7M | $2.3M |
| Advertising | $1.0M | $791.0K |
| Debit card expense | $1.7M | $1.4M |
| FDIC insurance | $776.0K | $764.0K |
| Appraisal management fee expense | $10.9M | $9.3M |
| Other | $9.0M | $9.7M |
| Total non-interest expense | $63.2M | $61.1M |
| Earnings before income taxes | $25.9M | $20.9M |
| Income tax expense | $6.0M | $4.6M |
| Net earnings | $19.8M | $16.4M |
| Basic net earnings per share | $3.74 | $3.08 |
| Diluted net earnings per share | $3.62 | $2.98 |
| Cash dividends declared per share | $0.96 | $0.92 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.8
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $27.7M | $30.9M | |
| Interest-bearing deposits | $30.4M | $28.3M | |
| Cash and cash equivalents | $58.1M | $59.3M | |
| Investment securities available for sale | $377.4M | $388.0M | |
| Other investments | $2.6M | $2.7M | |
| Total securities | $380.0M | $390.7M | |
| Mortgage loans held for sale | $1.1M | $1.4M | |
| Loans | $1.2B | $1.1B | |
| Less allowance for credit losses | -$10.1M | -$10.0M | |
| Net loans | $1.2B | $1.1B | |
| Premises and equipment, net | $14.2M | $14.8M | |
| Cash surrender value of life insurance | $17.8M | $17.7M | |
| Other real estate | $0 | $369.0K | |
| Right of use lease asset | $3.5M | $4.0M | |
| Accrued interest receivable and other assets | $33.2M | $35.3M | |
| Total assets | $1.7B | $1.7B | |
| Noninterest-bearing demand | $394.6M | $402.3M | |
| Interest-bearing demand, MMDA & savings | $760.9M | $741.4M | |
| Time, over $250,000 | $160.4M | $147.4M | |
| Other time | $193.4M | $193.7M | |
| Total deposits | $1.5B | $1.5B | |
| Junior subordinated debentures | $15.5M | $15.5M | |
| Lease liability | $3.6M | $4.1M | |
| Accrued interest payable and other liabilities | $16.7M | $17.1M | |
| Total liabilities | $1.5B | $1.5B | |
| Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding | $0 | $0 | |
| Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,457,646 shares at December 31, 2024 and 5,534,499 shares at December 31, 2023 | $48.7M | $48.7M | |
| Common stock held by deferred compensation trust, at cost; 158,580 shares at December 31, 2024 and 163,702 shares at December 31, 2023 | -$1.5M | -$1.8M | |
| Deferred compensation | $1.5M | $1.8M | |
| Retained earnings | $135.6M | $121.1M | |
| Accumulated other comprehensive loss | -$27.2M | -$39.2M | -$39.4M |
| Total shareholders' equity | $157.1M | $130.6M | $121.0M |
| Total liabilities and shareholders' equity | $1.7B | $1.7B | |
| Preferred stock, par or stated value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, shares authorized (in shares) | 20.0M shares | 20.0M shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares issued (in shares) | 5.5M shares | 5.5M shares | |
| Common stock, shares outstanding (in shares) | 5.5M shares | 5.5M shares | |
| Common Stock Held In Trust | 150.3K shares | 158.6K shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $27.7M | $30.9M | |
| Interest-bearing deposits | $30.4M | $28.3M | |
| Cash and cash equivalents | $58.1M | $59.3M | |
| Investment securities available for sale | $377.4M | $388.0M | |
| Other investments | $2.6M | $2.7M | |
| Total securities | $380.0M | $390.7M | |
| Mortgage loans held for sale | $1.1M | $1.4M | |
| Loans | $1.2B | $1.1B | |
| Less allowance for credit losses | -$10.1M | -$10.0M | |
| Net loans | $1.2B | $1.1B | |
| Premises and equipment, net | $14.2M | $14.8M | |
| Cash surrender value of life insurance | $17.8M | $17.7M | |
| Other real estate | $0 | $369.0K | |
| Right of use lease asset | $3.5M | $4.0M | |
| Accrued interest receivable and other assets | $33.2M | $35.3M | |
| Total assets | $1.7B | $1.7B | |
| Noninterest-bearing demand | $394.6M | $402.3M | |
| Interest-bearing demand, MMDA & savings | $760.9M | $741.4M | |
| Time, over $250,000 | $160.4M | $147.4M | |
| Other time | $193.4M | $193.7M | |
| Total deposits | $1.5B | $1.5B | |
| Junior subordinated debentures | $15.5M | $15.5M | |
| Lease liability | $3.6M | $4.1M | |
| Accrued interest payable and other liabilities | $16.7M | $17.1M | |
| Total liabilities | $1.5B | $1.5B | |
| Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding | $0 | $0 | |
| Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,457,646 shares at December 31, 2024 and 5,534,499 shares at December 31, 2023 | $48.7M | $48.7M | |
| Common stock held by deferred compensation trust, at cost; 158,580 shares at December 31, 2024 and 163,702 shares at December 31, 2023 | -$1.5M | -$1.8M | |
| Deferred compensation | $1.5M | $1.8M | |
| Retained earnings | $135.6M | $121.1M | |
| Accumulated other comprehensive loss | -$27.2M | -$39.2M | -$39.4M |
| Total shareholders' equity | $157.1M | $130.6M | $121.0M |
| Total liabilities and shareholders' equity | $1.7B | $1.7B | |
| Preferred stock, par or stated value (in dollars per share) | $0.00 | $0.00 | |
| Preferred stock, shares authorized (in shares) | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued (in shares) | 0 shares | 0 shares | |
| Preferred stock, shares outstanding (in shares) | 0 shares | 0 shares | |
| Common stock, shares authorized (in shares) | 20.0M shares | 20.0M shares | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, shares issued (in shares) | 5.5M shares | 5.5M shares | |
| Common stock, shares outstanding (in shares) | 5.5M shares | 5.5M shares | |
| Common Stock Held In Trust | 150.3K shares | 158.6K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.8
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net earnings | $19.8M | $16.4M |
| Depreciation, amortization and accretion, net | $2.7M | $2.9M |
| Provision for (recovery of) credit losses | $938.0K | -$285.0K |
| Deferred income taxes | $432.0K | $1.0M |
| Gain on sale of held for sale mortgage loans | -$277.0K | -$287.0K |
| (Gain) loss on sale of investment securities, net | $78.0K | -$5.0K |
| Gain on sale of other real estate | -$13.0K | $0 |
| Write-down of other real estate | $0 | $31.0K |
| Gain on sale of premises and equipment | -$3.0M | $0 |
| Write-down of premises and equipment | $71.0K | $362.0K |
| Restricted stock expense | $190.0K | $212.0K |
| Proceeds from sales of loans held for sale | $15.2M | $19.1M |
| Origination of loans held for sale | -$14.7M | -$19.5M |
| Cash surrender value of life insurance | -$602.0K | -$470.0K |
| Right of use lease asset | $536.0K | $718.0K |
| Other assets | $1.0M | $80.0K |
| Lease liability | -$521.0K | -$696.0K |
| Other liabilities | -$532.0K | $1.0M |
| Net cash provided by operating activities | $21.4M | $20.6M |
| Purchases of investment securities available for sale | -$18.2M | -$29.1M |
| Proceeds from calls and maturities of investment securities available for sale | $3.0M | $3.0M |
| Proceeds from sales of investment securities available for sale | $20.4M | $11.7M |
| Proceeds from paydowns of investment securities available for sale | $20.1M | $17.7M |
| Proceeds from paydowns of other investment securities | $228.0K | $201.0K |
| Purchase of FHLB Stock | -$11.0K | -$10.0K |
| Net change in loans | -$66.8M | -$46.5M |
| Purchases of premises and equipment | -$1.4M | -$587.0K |
| Proceeds from sale of other real estate and repossessions | $382.0K | $0 |
| Proceeds from bank owned life insurance | $440.0K | $929.0K |
| Net cash used by investing activities | -$41.8M | -$42.6M |
| Net change in deposits | $24.5M | $92.7M |
| Net change in securities sold under agreement to repurchase | $0 | -$86.7M |
| Proceeds from FRB borrowings | $1.0K | $1.0K |
| Repayments of FRB borrowings | -$1.0K | -$1.0K |
| Proceeds from Fed Funds Purchased | $162.0K | $162.0K |
| Repayments of Fed Funds Purchased | -$162.0K | -$162.0K |
| Restricted stock units vested | $50.0K | $51.0K |
| Excise tax on stock repurchased | $0 | -$20.0K |
| Common stock repurchased | $0 | -$2.0M |
| Cash dividends paid on common stock | -$5.2M | -$5.0M |
| Net cash (used) provided by financing activities | $19.3M | -$1.0M |
| Net change in cash and cash equivalents | -$1.2M | -$23.1M |
| Interest | $24.7M | $28.1M |
| Income taxes, federal | $4.3M | $3.8M |
| Income taxes, state | $513.0K | $750.0K |
| Change in unrealized loss on investment securities available for sale, net | $11.9M | $208.0K |
| Transfer of loans to other real estate | $0 | $400.0K |
| Initial recognition of lease right of use asset and lease liability | $263.0K | $0 |
| DOT settlement receivable | $3.0M | $0 |
No quarter-by-quarter statement was filed.
Compare PEOPLES BANCORP OF NORTH CAROLINA INC with another company
Corporate structure
PEOPLES BANCORP OF NORTH CAROLINA INC sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of PEOPLES BANCORP OF NORTH CAROLINA INC
- BlackRock Filed SCHEDULE 13G on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Jul 29, 2026 (6 filings since Oct 24, 2024)
- Wellington Management Company Filed SCHEDULE 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest May 15, 2026 (3 filings since Feb 10, 2025)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Mar 27, 2026 (5 filings since Nov 4, 2024)
- Bay Pond Partners, L.P. Filed SCHEDULE 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Nov 12, 2025 (2 filings since Jan 10, 2025)
- Strategic Value Investors LP Filed SCHEDULE 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Feb 12, 2025 (2 filings since Feb 14, 2024)
- Fourthstone LLC Filed SC 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Nov 14, 2024 (3 filings since Feb 14, 2023)
- STRATEGIC VALUE BANK PARTNERS LLC Filed SC 13G/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Jan 31, 2023 (2 filings since Feb 11, 2022)
- James S. Abernethy Filed SC 13D/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Dec 28, 2022 (2 filings since Dec 20, 2021)
- Robert C. Abernethy Filed SC 13D/A on PEOPLES BANCORP OF NORTH CAROLINA INC, latest Dec 28, 2022 (2 filings since Dec 20, 2021)
- PEOPLES BANCORP OF NORTH CAROLINA INC Newton, North Carolina
Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What PEOPLES BANCORP OF NORTH CAROLINA INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Land | $4.4M8 Dec 31, 2025 | $4.4M8 Dec 31, 2024 | +1.7% |
| Buildings and improvements | $18.7M8 Dec 31, 2025 | $18.6M8 Dec 31, 2024 | +0.4% |
| Furniture and fixtures | $22.7M8 Dec 31, 2025 | $21.6M8 Dec 31, 2024 | +5.1% |
| Construction in progress | $08 Dec 31, 2025 | $103.0K8 Dec 31, 2024 | −100.0% |
| Property and equipment, before depreciation | $45.8M8 Dec 31, 2025 | $44.7M8 Dec 31, 2024 | +2.6% |
| Accumulated depreciation | $31.7M8 Dec 31, 2025 | $29.8M8 Dec 31, 2024 | +6.1% |
| Property and equipment, net | $14.2M8 Dec 31, 2025 | $14.8M8 Dec 31, 2024 | −4.6% |
| Operating-lease assets (leased space) | $3.5M8 Dec 31, 2025 | $4.0M8 Dec 31, 2024 | −13.4% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $58.1M8 Dec 31, 2025 | $59.3M8 Dec 31, 2024 | −2.0% |
| Debt securities available for sale | $377.4M8 Dec 31, 2025 | $388.0M7 Dec 31, 2024 | −2.7% |
| Deposits held (banks) | $1.5B8 Dec 31, 2025 | $1.5B8 Dec 31, 2024 | +1.6% |
Properties, in its own words
At December 31, 2025, the Company and the Bank conducted their business from their headquarters office in Newton, North Carolina and the Bank’s 15 branch offices in Lincolnton, Hickory, Newton, Catawba, Conover, Claremont, Maiden, Denver, Triangle, Hiddenite, Charlotte, Huntersville and Mooresville, North Carolina. The Bank also operates loan production offices in Charlotte, Denver, Salisbury and Winston-Salem, North Carolina. The following table sets forth certain information regarding the Bank’s properties at December 31, 2025.
Owned · Leased
The rest of Item 2
Corporate Office518 West C StreetNewton, North Carolina 28658 · 1333 2nd Street NEHickory, North Carolina 28601
420 West A StreetNewton, North Carolina 28658 · 6350 South BoulevardCharlotte, North Carolina 28217
213 1st Street, WestConover, North Carolina 28613 · 3752/3754 Highway 16 NorthDenver, North Carolina 28037
3261 East Main StreetClaremont, North Carolina 28610 · 9617 Holly Point DriveHuntersville, NC 28078
6125 Highway 16 SouthDenver, North Carolina 28037 · 13840 Ballantyne Corporate PlaceSuite 150 Charlotte, North Carolina 28277
5153 N.C. Highway 90EHiddenite, North Carolina 28636 · 118 East Council StreetSuite 1 Salisbury, NC 28144
200 Island Ford RoadMaiden, North Carolina 28650 · 380 Knollwood StreetSuite D Winston-Salem, NC 27103
3310 Springs Road NEHickory, North Carolina 28601 · 615 East 6th StreetSuite 118 Charlotte, NC 28202
142 South Highway 16Denver, North Carolina 28037
106 North Main StreetCatawba, North Carolina 28609
2050 Catawba Valley BoulevardHickory, North Carolina 28601
163 Plantation Ridge DriveMooresville, North Carolina 28117
1910 East Main StreetLincolnton, North Carolina 28092
Item 2 of the 10-K filed Mar 11, 2026.3
Leadership
Who has led PEOPLES BANCORP OF NORTH CAROLINA INC, and when. Pick a name to see everywhere that person has worked.
Chief financial officer
Chief operating officer
- Chief executive officerWilliam D. Cable Feb 13, 2025 to now12
- Chief executive officerLance A. Sellers Dec 7, 2012 to Feb 13, 202413
- Chief executive officerTony W. Wolfe Jan 3, 2006 to Feb 15, 201314
- ChairRobert C. Abernethy Feb 23, 2006 to now15
- PresidentWilliam D. Cable Feb 13, 2025 to now12
- PresidentLance A. Sellers Dec 7, 2012 to Feb 13, 202413
- PresidentTony W. Wolfe Jan 3, 2006 to Sep 12, 201214
- Chief financial officerJeffrey N. Hooper May 20, 2020 to now16
- Chief financial officerA. Joseph Lampron Feb 23, 2006 to Feb 13, 202017
- Chief operating officerWilliam D. Cable Jan 3, 2006 to Feb 15, 202418
Board members and other officers (20)
- EVP, Chief Commercial OfficerJody G. Street Jan 6, 2025 to Feb 13, 202519
- EVP, Chief Operations OfficerCarol S. Shinn Jan 7, 2025 to now20
- Chief Banking Support OfficerKim Boyd-Leaks Feb 14, 2022 to Feb 15, 202421
- EVP Chief Retail Banking OffcrJames Owen Perry Mar 25, 2022 to Mar 25, 202222
- EVP and CAOA. Joseph Lampron May 15, 2020 to Feb 12, 202123
- Exec Vice Pres and CAOJoseph F. Beaman Jr. Jan 3, 2006 to Feb 13, 201524
- EVP and Chief Credit OfficerLance A. Sellers Jun 19, 2006 to Sep 7, 201225
- Board memberMichael B. Hollar Jul 24, 2026 to now26
- Board memberRobert C. Abernethy Jul 24, 2026 to now27
- Board memberAshton Abernethy V. Jan 3, 2025 to now28
- Board memberKim Boyd-Leaks Feb 14, 2022 to Aug 9, 202421
- Board memberDouglas S. Howard Feb 1, 2006 to now29
- Board memberBilly L. Price Jr. Dr. Feb 23, 2006 to now30
- Board memberDan Ray Timmerman Sr. Feb 23, 2006 to Feb 14, 202531
- Board memberLarry E. Robinson Feb 23, 2006 to Feb 14, 202532
- Board memberWilliam Gregory Terry Feb 23, 2006 to now33
- Board memberBenjamin I. Zachary Mar 21, 2006 to now34
- Board memberJames S. Abernethy Apr 27, 2006 to now35
- Board memberJohn W. Lineberger Jr. Apr 27, 2006 to Dec 23, 202436
- Board memberGary E. Matthews Jun 19, 2006 to Feb 14, 202537
Timeline
- Jul 21, 20268-K Executive or director change38
- Jul 20, 20268-K Results of operations39
- May 8, 20268-K Shareholder vote40
- Apr 20, 20268-K Results of operations41
- Jan 26, 20268-K Results of operations42
- Oct 20, 20258-K Results of operations43
- Jul 21, 20258-K Results of operations44
- Jun 18, 20258-K Shareholder vote45
- May 2, 20258-K Shareholder vote46
- Apr 21, 20258-K Results of operations47
- Mar 13, 20258-K Other events48
- Feb 13, 2025New chief executive William D. Cable becomes CEO12
- Feb 12, 20258-K Results of operations49
- Dec 7, 2012New chief executive Lance A. Sellers becomes CEO13
- Jan 3, 2006New chief executive Tony W. Wolfe becomes CEO14
Calendar
When it reported results
- Jul 20, 2026Reported quarterly or annual results39
- Apr 20, 2026Reported quarterly or annual results41
- Jan 26, 2026Reported quarterly or annual results42
- Oct 20, 2025Reported quarterly or annual results43
- Jul 21, 2025Reported quarterly or annual results44
- Apr 21, 2025Reported quarterly or annual results47
- Feb 12, 2025Reported quarterly or annual results49
- Oct 21, 2024Reported quarterly or annual results50
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
263 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 39 major events, 128 insider forms, 27 large holders, 49 other. The latest 20:
- Sep 2, 20264 PRIMARY DOCUMENT EDGAR
- Sep 2, 20264 PRIMARY DOCUMENT EDGAR
- Sep 2, 2026144 EDGAR
- Sep 2, 2026144 EDGAR
- Sep 1, 2026144 EDGAR
- Sep 1, 20264 PRIMARY DOCUMENT EDGAR
- Aug 28, 20264 PRIMARY DOCUMENT EDGAR
- Aug 28, 20264 PRIMARY DOCUMENT EDGAR
- Aug 27, 2026144 EDGAR
- Aug 24, 20264 PRIMARY DOCUMENT EDGAR
- Aug 24, 20264 PRIMARY DOCUMENT EDGAR
- Aug 24, 20264 PRIMARY DOCUMENT EDGAR
- Aug 7, 2026144 EDGAR
- Aug 7, 20264 PRIMARY DOCUMENT EDGAR
- Aug 6, 20264 PRIMARY DOCUMENT EDGAR
- Aug 6, 2026144 EDGAR
- Aug 5, 2026144 EDGAR
- Aug 4, 202610-Q EDGAR
- Jul 31, 20264 PRIMARY DOCUMENT EDGAR
- Jul 30, 20264 PRIMARY DOCUMENT EDGAR
The 263 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
66 open-market trades by officers, directors and large owners since October 2021: 9 buys and 57 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 2, 2026 | ABERNETHY ROBERT CDirector | Sale | 7,000 | $43.61 | $305.3K | Form 4 |
| Sep 2, 2026 | ABERNETHY JAMES SDirector | Sale | 500 | $43.50 | $21.8K | Form 4 |
| Sep 1, 2026 | Abernethy Robert C. JRDirector | Sale | 1,200 | $43.13 | $51.8K | Form 4 |
| Aug 27, 2026 | PRICE BILLY L JR DRDirector | Buy | 400 | $43.00 | $17.2K | Form 4 |
| Aug 27, 2026 | ABERNETHY JAMES SDirector | Sale | 1,000 | $43.11 | $43.1K | Form 4 |
| Aug 7, 2026 | Abernethy Robert C. JRDirector | Sale | 950 | $42.33 | $40.2K | Form 4 |
| Aug 5, 2026 | ABERNETHY ROBERT CDirector | Sale | 5,247 | $43.34 | $227.4K | Form 4 |
| Jul 30, 2026 | ABERNETHY JAMES SDirector | Sale | 1,000 | $42.91 | $42.9K | Form 4 |
| Jul 29, 2026 | ABERNETHY JAMES SDirector | Sale | 500 | $43.17 | $21.6K | Form 4 |
| Jul 28, 2026 | ABERNETHY JAMES SDirector | Sale | 1,000 | $42.89 | $42.9K | Form 4 |
| Jul 23, 2026 | Abernethy Robert C. JRDirector | Sale | 1,200 | $41.75 | $50.1K | Form 4 |
| Jul 23, 2026 | ABERNETHY ROBERT CDirector | Sale | 5,000 | $42.14 | $210.7K | Form 4 |
| Jun 1, 2026 | ABERNETHY JAMES SDirector | Sale | 500 | $42.10 | $21.1K | Form 4 |
| Jun 1, 2026 | Abernethy Robert C. JRDirector | Sale | 1,200 | $41.61 | $49.9K | Form 4 |
| May 26, 2026 | Abernethy Ashton V.Director | Sale | 950 | $42.26 | $40.1K | Form 4 |
| May 14, 2026 | ABERNETHY JAMES SDirector | Sale | 600 | $40.20 | $24.1K | Form 4 |
| Apr 30, 2026 | ABERNETHY JAMES SDirector | Sale | 600 | $39.35 | $23.6K | Form 4 |
| Apr 24, 2026 | ABERNETHY JAMES SDirector | Sale | 600 | $39.50 | $23.7K | Form 4 |
| Apr 23, 2026 | ABERNETHY JAMES SDirector | Sale | 600 | $40.06 | $24.0K | Form 4 |
| Mar 3, 2026 | ABERNETHY JAMES SDirector | Sale | 477 | $37.60 | $17.9K | Form 4 |
All 66 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- BlackRockSCHEDULE 13G, 6 filings Oct 24, 2024 to Jul 29, 202651
- Wellington Management CompanySCHEDULE 13G/A, 3 filings Feb 10, 2025 to May 15, 202652
- VANGUARD GROUP INCSCHEDULE 13G/A, 5 filings Nov 4, 2024 to Mar 27, 202653
- Bay Pond Partners, L.P.SCHEDULE 13G/A, 2 filings Jan 10, 2025 to Nov 12, 202554
- Strategic Value Investors LPSCHEDULE 13G/A, 2 filings Feb 14, 2024 to Feb 12, 202555
- Fourthstone LLCSC 13G/A, 3 filings Feb 14, 2023 to Nov 14, 202456
- STRATEGIC VALUE BANK PARTNERS LLCSC 13G/A, 2 filings Feb 11, 2022 to Jan 31, 202357
- James S. AbernethySC 13D/A, 2 filings Dec 20, 2021 to Dec 28, 202258
- Robert C. AbernethySC 13D/A, 2 filings Dec 20, 2021 to Dec 28, 202259
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | William D. CableSr. | $375.9K | $673.3K60 | |
| 2025 | Jeffrey Hooper | $235.0K | $393.2K60 | |
| 2025 | Jody G. Street2 | $225.0K | $350.2K60 | |
| 2024 | President and Chief Executive Officer | $365.0K | $595.2K60 | |
| 2024 | Executive VicePresident and Chief Financial Officer | $207.2K | $364.0K60 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 86. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How PEOPLES BANCORP OF NORTH CAROLINA INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARPEOPLES BANCORP OF NORTH CAROLINA INC1
- CIK0001093672
- Employer ID (EIN)56-21323963
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company3
- Incorporated inNorth Carolina3
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address518 West C Street, Po Box 467, Newton, NC 28658-40071
- Mailing addressPo Box 467, Newton, NC 28658-04671
- Phone82846456201
- Shares outstanding5,461,490 as of Jul 31, 202610
- Public float$133.6M as of Jun 30, 20253
- On EDGAR sinceAug 31, 19991
- Filings1,529 in all: 4 (864), 5 (183), 8-K (177), 10-Q (81), 144 (44), 10-K (27), DEF 14A (27), SC 13G/A (24)1
All 33 form types
4/A (21), 3 (15), SCHEDULE 13G/A (9), 5/A (8), SC 13G (6), SCHEDULE 13G (5), 8-K/A (4), SC 13D/A (4), UPLOAD (4), 10-K/A (3), CORRESP (3), S-1/A (3), SC 13D (3), 10-Q/A (2), S-8 (2), 424B1 (1), 8-A12G (1), ARS (1), DEFA14A (1), DEFR14A (1), EFFECT (1), PRE 14A (1), S-1 (1), S-3D (1), S-8 POS (1)
- Latest filingsAnnual report (10-K) Mar 11, 2026
Quarterly report (10-Q) Aug 4, 2026
Proxy statement (DEF 14A) Mar 25, 2026
Latest 8-K (8-K) Jul 21, 2026
Risk factors and legal proceedings
The risks PEOPLES BANCORP OF NORTH CAROLINA INC names in Item 1A of its 10-K filed Mar 11, 2026: 43 risks under these headings, as written.3
- Unfavorable economic conditions could adversely affect our business.
- Inflation can have an adverse impact on our customers and their ability to repay.
- Recessionary conditions could result in increases in our level of nonperforming loans and/or reduce demand for our products and services, which would lead to lower revenue, higher loan losses and lower earnings.
- We are subject to credit risk and may incur losses if loans are not repaid.
- Our loan portfolio includes loans with a higher risk of loss.
- A significant amount of the Bank’s business is concentrated in lending which is secured by property located in the Catawba Valley and surrounding areas.
- Our use of appraisals in deciding whether to make a loan on or secured by real property does not ensure the value of the real property collateral.
- Our allowance for credit losses may be insufficient and could therefore reduce earnings.
- If our non-performing assets increase, our earnings will suffer.
- Changes in interest rates affect profitability and assets.
- A small number of large deposit relationships provide a significant level of funding for the Bank.
- We may not be able to retain or grow our deposit base, which could adversely impact our funding costs.
The other 31 risks
- Increases in FDIC insurance premiums may adversely affect our net income and profitability.
- Cybersecurity incidents could disrupt business operations, result in the loss of critical and confidential information, and adversely impact our reputation and results of operations.
- Our business continuity plans or data security systems could prove to be inadequate, resulting in a material interruption in, or disruption to, our business and a negative impact on our results of operations.
- The adoption and use of artificial intelligence tools by us and our third-party vendors and service providers may increase the risk of errors, omissions, unfair treatment or fraudulent behavior by our employees, clients, or counterparties, or other third parties.
- In the normal course of business, we process large volumes of transactions involving millions of dollars. If our internal controls fail to work as expected, if our systems are used in an unauthorized manner, or if our employees subvert our internal controls, we could experience significant losses.
- Financial services companies depend on the accuracy and completeness of information about customers and counterparties.
- We are subject to extensive regulation, which could have an adverse effect on our operations.
- We face a risk of noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations and related enforcement actions.
- We are subject to federal and state fair lending laws, and failure to comply with these laws could lead to material penalties.
- Consumers may decide not to use banks to complete their financial transactions.
- The soundness of other financial institutions could adversely affect us.
- Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
- Risks related to decline in value of investment securities portfolio.
- We could experience losses due to competition with other financial institutions.
- We face increasing competition from fintechs and other technology-driven platforms
- Failure to keep pace with technological change could adversely affect our business.
- We rely on other companies to provide key components of our business infrastructure.
- Negative publicity could damage our reputation.
- Loss of key personnel could adversely impact results.
- We may be subject to examinations by taxing authorities which could adversely affect our results of operations.
- Changes in our accounting policies or in accounting standards could materially affect how we report our financial results and condition.
- Our internal controls may be ineffective.
- Credit losses on investment securities or inability to realize deferred tax assets could require charges to earnings, which could result in a negative impact on our results of operations.
- Because we engage in lending secured by real estate and may be forced to foreclose on the collateral property and own the underlying real estate, we may be subject to the increased costs associated with the ownership of real property, which could result in reduced net income.
- We are subject to losses due to errors, omissions or fraudulent behavior by our employees, clients, counterparties or other third parties.
- Our articles of incorporation and bylaws, and certain banking laws may have an anti-takeover effect.
- RISKS RELATED TO THE COMPANY’S STOCK
- Our stock price can be volatile.
- Future sales of our stock by our shareholders or the perception that those sales could occur may cause our stock price to decline.
- Our common stock is not FDIC insured.
- We may reduce or eliminate dividends on our common stock.
- We may need additional access to capital, which we may be unable to obtain on attractive terms or at all.
Legal proceedings
In the opinion of management, the Company is not involved in any material legal proceedings other than routine proceedings occurring in the ordinary course of business.
The opening of Item 3, Legal Proceedings.3
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 15SEC EDGARRobert C. Abernethy, Chair
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- 23SEC EDGARA. Joseph Lampron, EVP and CAO
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- 26SEC EDGARMichael B. Hollar, Board member
- 27SEC EDGARRobert C. Abernethy, Board member
- 28SEC EDGARAshton Abernethy V., Board member
- 29SEC EDGARDouglas S. Howard, Board member
- 30SEC EDGARBilly L. Price Jr. Dr., Board member
- 31SEC EDGARDan Ray Timmerman Sr., Board member
- 32SEC EDGARLarry E. Robinson, Board member
- 33SEC EDGARWilliam Gregory Terry, Board member
- 34SEC EDGARBenjamin I. Zachary, Board member
- 35SEC EDGARJames S. Abernethy, Board member
- 36SEC EDGARJohn W. Lineberger Jr., Board member
- 37SEC EDGARGary E. Matthews, Board member
- 38SEC EDGARExecutive or director change
- 39SEC EDGARResults of operations
- 40SEC EDGARShareholder vote
- 41SEC EDGARResults of operations
- 42SEC EDGARResults of operations
- 43SEC EDGARResults of operations
- 44SEC EDGARResults of operations
- 45SEC EDGARShareholder vote
- 46SEC EDGARShareholder vote
- 47SEC EDGARResults of operations
- 48SEC EDGAROther events
- 49SEC EDGARResults of operations
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