GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

PEBK · Jun 30, 2026

PEOPLES BANCORP OF NORTH CAROLINA INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001654954-26-007234Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

1.74% · CORE · VALID

Net-income growth45thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

1.43% · CORE · VALID

Interest-expense growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-9.23% · CORE · VALID

Interest-income growth35thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

3.89% · CORE · VALID

Cash and equivalents10thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$60.9M · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History60 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
2.08%
Current
1.74%
Delta
-0.34%
Earnings Growth Increased
Previous
1.22%
Current
1.43%
Delta
0.21%
Funding Cost Growth Decreased
Previous
-4.20%
Current
-9.23%
Delta
-5.03%
Interest Income Growth Decreased
Previous
4.54%
Current
3.89%
Delta
-0.65%
Liquidity Decreased
Previous
$61.3M
Current
$60.9M
Delta
-$379,000
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Mar 31, 2026
Similarity
82%
Compared
5 dimensions
Coverage
100%
Liquidity 0.0 · Deposit Growth 0.0 · Earnings Growth 5.0 · Funding Cost Growth 40.0 · Interest Income Growth 5.0
Mar 31, 2025
Similarity
80%
Compared
5 dimensions
Coverage
100%
Liquidity 35.0 · Deposit Growth 0.0 · Earnings Growth 20.0 · Funding Cost Growth 15.0 · Interest Income Growth 10.0
Sep 30, 2025
Similarity
78%
Compared
5 dimensions
Coverage
100%
Liquidity 45.0 · Deposit Growth 0.0 · Earnings Growth 15.0 · Funding Cost Growth 5.0 · Interest Income Growth 10.0
Dec 31, 2017
Similarity
77%
Compared
5 dimensions
Coverage
100%
Liquidity 10.0 · Deposit Growth 20.0 · Earnings Growth 10.0 · Funding Cost Growth 10.0 · Interest Income Growth 45.0
Jun 30, 2024
Similarity
72%
Compared
5 dimensions
Coverage
100%
Liquidity 15.0 · Deposit Growth 20.0 · Earnings Growth 0.0 · Funding Cost Growth 50.0 · Interest Income Growth 30.0
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.