Financial insights of PEBK

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$4,398K
EPS
$0.8
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	17,473	16,593*	17,174	16,648
Other	-	-	538	585
Interest on due from banks	241	268*	1,009	706
U.s. government sponsored enterprises	1,921	2,296*	1,990	2,087
State and political subdivisions	694	690*	694	694
Other	547	586*	-	-
Total interest income	20,876	20,432*	21,405	20,720
Other	-	-	0	0
Interest-bearing demand, mmda & savings deposits	2,887	2,718*	2,868	2,729
Time deposits	2,669	3,041*	3,174	3,152
Junior subordinated debentures	217	230*	244	242
Other	-	0*	-	-
Total interest expense	5,773	5,988*	6,286	6,123
Net interest income	15,103	14,444*	15,119	14,597
Provision for credit losses	560	463*	530	-213
Net interest income after provision for credit losses	14,543	13,981*	14,589	14,810
Service charges	1,401	1,415*	1,404	1,372
Other service charges and fees	178	186*	184	156
Loss on sale of securities, net	0	-78*	0	0
Gain on sale of premises and equipment	-	752*	-	-
Mortgage banking income	135	42*	149	41
Insurance and brokerage commissions	269	264*	250	258
Appraisal management fee income	2,620	4,580*	3,601	3,973
Miscellaneous	1,867	1,589*	1,539	1,893
Total non-interest income	6,470	8,750*	7,127	7,693
Salaries and employee benefits	7,246	7,169*	7,094	7,168
Occupancy	2,307	2,444*	2,278	2,058
Professional fees	680	-229*	1,395	559
Miscellaneous	-	-	2,032	2,234
Advertising	259	244*	266	245
Debit card expense	426	142*	805	227
Fdic insurance	194	193*	196	193
Appraisal management fee expense	2,095	1,863*	2,858	3,156
Other	2,158	2,239*	-	-
Total non-interest expense	15,365	14,063*	16,924	15,840
Earnings before income taxes	5,648	8,668*	4,792	6,663
Income tax expense	1,250	2,116*	1,100	1,503
Net earnings	4,398	6,552	3,692	5,160

Basic EPS	0.83	1.235	0.7	0.97
Diluted EPS	0.8	1.197	0.67	0.95
Basic Average Shares	5,310,478	5,303,418	5,309,028	5,303,370
Diluted Average Shares	5,470,253	5,471,688	5,471,622	5,470,212

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$4,398K
EPS
$0.8
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$4,398K
EPS
$0.8
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$4,398KEPS$0.8Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$4,398KEPS$0.8Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$4,398K
EPS
$0.8
Unit: Thousand (K) dollars

Net Income
$4,398K
EPS
$0.8
Unit: Thousand (K) dollars