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

PEBK · Dec 31, 2025

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 3[email protected]
Inspectable configuration

State dimensions

Filing0001654954-26-002154Bank
Sequential deposit growth10thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-2.81% · CORE · VALID

Net-income growth70thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

21.26% · CORE · VALID

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

Yoy · gp.financial.interest_expense

-7.70% · CORE · VALID

Interest-income growth40thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

3.57% · CORE · VALID

Cash and equivalents0thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$58.1M · 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
2.58%
Current
-2.81%
Delta
-5.39%
Earnings Growth Increased
Previous
-6.72%
Current
21.26%
Delta
27.98%
Funding Cost Growth Increased
Previous
-9.14%
Current
-7.70%
Delta
1.43%
Interest Income Growth Decreased
Previous
4.58%
Current
3.57%
Delta
-1.01%
Liquidity Decreased
Previous
$117.0M
Current
$58.1M
Delta
-$58.9M
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.

Not enough compatible prior states for a transparent self-history match.
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.