Financial insights of PEBK

MyFinsight

For the quarter ending 2025-09-30, PEBK made $51,742K in revenue. $3,692K in net income. Net profit margin of 7.14%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	17,174	16,648
Interest on due from banks	1,009	706
U.s. government sponsored enterprises	1,990	2,087
State and political subdivisions	694	694
Other	538	585
Total interest income	21,405	20,720
Now, mmda & savings deposits	2,868	2,729
Time deposits	3,174	3,152
Junior subordinated debentures	244	242
Other	0	0
Total interest expense	6,286	6,123
Net interest income	15,119	14,597
Provision for (recovery of) credit losses	530	-213
Net interest income after provision for (recovery of) credit losses	14,589	14,810
Service charges	1,404	1,372
Other service charges and fees	184	156
Loss on sale of securities, net	0	0
Mortgage banking income	149	41
Insurance and brokerage commissions	250	258
Appraisal management fee income	3,601	3,973
Miscellaneous	1,539	1,893
Total non-interest income	7,127	7,693
Salaries and employee benefits	7,094	7,168
Occupancy	2,278	2,058
Professional fees	1,395	559
Advertising	266	245
Debit card expense	805	227
Fdic insurance	196	193
Appraisal management fee expense	2,858	3,156
Miscellaneous	2,032	2,234
Total non-interest expense	16,924	15,840
Earnings before income taxes	4,792	6,663
Income tax expense	1,100	1,503
Net earnings	3,692	5,160

Basic earnings per common share (in shares)	5,309,028	5,303,370
Basic net earnings per share	0.7	0.97
Diluted earnings per common share (in shares)	5,471,622	5,470,212
Diluted net earnings per share	0.67	0.95