Peoples Bancorp of North Carolina, Inc. (PEBK) reported Q3 2025 net earnings of \(3.7M (\)0.67 diluted EPS), a slight YoY decline, though 9-month year-to-date (YTD) net earnings grew to \(13.2M (\)2.41 diluted EPS). This YTD growth was supported by strong Net Interest Income (NII) of \(43.7M, benefiting from loan expansion and recent Fed rate cuts lowering funding costs. Total Assets increased to \)1.74B from \(1.65B at year-end 2024, fueled by significant deposit growth (\)68.2M increase) and a near doubling of cash and equivalents to $117.0M.
The Net Loan portfolio expanded to $1.173B. Asset qualit
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