Peoples Bancorp of North Carolina, Inc. (PEBK) Balance Sheet
PEBK balance sheet, 2025
December 31, 2025 · U.S. dollars$1.70B assets = $1.55B liabilities + $157.1M equity
Both columns are drawn to the same scale: what PEBK owns equals what it owes plus shareholders’ equity. Hover a block for its value.
PEBK financial health
Descriptive bands, not a rating. Fiscal 2025.
PEBK balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.09B2016 | $1.70B2025 | +5.1%/yr | |
| Total liabilities | $980.6M2016 | $1.55B2025 | +5.2%/yr | |
| Shareholders’ equity | $107.4M2016 | $157.1M2025 | +4.3%/yr | |
| Cash & short-term investments | $320.0M2016 | $275.0M2025 | −1.7%/yr | |
| Total debt | $57.1M2016 | $19.1M2025 | −11.5%/yr | |
| Net cash (debt) | $263.0M2016 | $255.9M2025 | −$7.1M | |
| Working capital | $321.4M2016 | −$1.23B2025 | −$1.6B | |
| Book value per share | $17.602016 | $23.282025 | +3.2%/yr | |
| Debt / equity | 0.532016 | 0.122025 | −0.41 | |
| Shares outstanding | 6.1M2016 | 6.7M2025 | +1.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
PEBK assets
PEBK liabilities and equity
PEBK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
PEBK balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $275.0M | $293.0M | $474.3M | $517.0M | $684.0M | $406.8M | $244.8M | $237.9M | $286.6M | $320.0M |
| Cash & equivalents | $58.1M | $59.3M | $82.4M | $71.6M | $277.5M | $161.6M | $49.1M | $43.4M | $57.3M | $70.1M |
| Short-term investments | $216.9M | $233.8M | $391.9M | $445.4M | $406.5M | $245.2M | $195.7M | $194.6M | $229.3M | $249.9M |
| Receivables | $0 | $0 | $0 | $43.0M | $23.9M | $20.4M | $20.0M | $18.3M | $14.0M | $11.9M |
| Inventory | $0 | $0 | $0 | −$76.7M | −$277.5M | −$161.7M | −$52.4M | −$43.4M | −$57.4M | −$70.4M |
| Other current assets | $0 | $0 | $0 | $71.6M | $277.5M | $161.7M | $52.4M | $43.4M | $57.4M | $70.4M |
| Total current assets | $275.0M | $293.0M | $474.3M | $554.9M | $707.9M | $427.3M | $264.8M | $256.2M | $300.6M | $332.0M |
| Property, plant & equipment (net) | $17.6M | $18.9M | $21.4M | $18.2M | $16.1M | $18.6M | $18.6M | $18.4M | $19.9M | $16.5M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $380.0M | $390.7M | $394.8M | $448.1M | $410.2M | $249.4M | $843.2M | $797.6M | $753.5M | $716.5M |
| Other non-current assets | $1.03B | $949.3M | $745.4M | $599.8M | $490.0M | $719.6M | $28.3M | $21.0M | $18.1M | $23.0M |
| Total assets | $1.70B | $1.65B | $1.64B | $1.62B | $1.62B | $1.41B | $1.15B | $1.09B | $1.09B | $1.09B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $17.4M | $16.5M | $12.2M | $14.4M | $13.7M | $10.9M | $10.6M |
| Short-term debt | $750,000 | $773,000 | $86.7M | $48.5M | $37.8M | $26.2M | $25.0M | $58.1M | $37.8M | $36.4M |
| Deferred revenue | — | — | — | −$48.5M | −$21.3M | −$14.0M | −$10.6M | −$44.4M | −$26.9M | −$25.8M |
| Total current liabilities | $1.51B | $1.48B | $1.48B | $12.2M | $16.5M | $12.2M | $14.4M | $13.7M | $10.9M | $10.6M |
| Long-term debt | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.6M | $20.6M | $20.6M | $20.6M |
| Lease obligations | $3.6M | $4.1M | $4.8M | $5.2M | $4.7M | $3.5M | $3.6M | — | — | — |
| Other long-term liabilities | $20.3M | $21.2M | $20.7M | $0 | $0 | $0 | $0 | $0 | $0 | $20.0M |
| Total liabilities | $1.55B | $1.52B | $1.51B | $1.52B | $1.48B | $1.27B | $1.02B | $969.6M | $976.2M | $980.6M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $47.2M | $46.9M | $48.7M | $52.6M | $53.3M | $56.9M | $59.8M | $62.1M | $45.1M | $44.2M |
| Retained earnings (deficit) | $135.6M | $121.1M | $109.8M | $100.2M | $89.0M | $77.6M | $70.7M | $60.5M | $67.3M | $60.3M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$27.2M | −$39.2M | −$39.4M | −$47.6M | $96,000 | $5.4M | $3.6M | $986,000 | $3.6M | $3.0M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $157.1M | $130.6M | $121.0M | $105.2M | $142.4M | $139.9M | $134.1M | $123.6M | $116.0M | $107.4M |
| Key figures | ||||||||||
| Total debt | $19.1M | $19.6M | $107.0M | $64.0M | $53.3M | $41.7M | $40.7M | $78.7M | $58.4M | $57.1M |
| Net cash (debt) | $255.9M | $273.4M | $367.3M | $453.0M | $630.8M | $365.2M | $204.1M | $159.2M | $228.2M | $263.0M |
| Working capital | −$1.23B | −$1.19B | −$1.00B | $542.7M | $691.4M | $415.1M | $250.4M | $242.5M | $289.8M | $321.4M |
| Tangible book value | $157.1M | $130.6M | $121.0M | $105.2M | $142.4M | $139.9M | $134.1M | $123.6M | $116.0M | $107.4M |
| Book value per share | $23.28 | $23.79 | $21.57 | $18.58 | $24.76 | $24.03 | $22.48 | $20.55 | $19.13 | $17.60 |
| Shares outstanding | 6.7M | 5.5M | 5.6M | 5.7M | 5.7M | 5.8M | 6.0M | 6.0M | 6.1M | 6.1M |
| Current ratio | 0.18 | 0.20 | 0.32 | 45.56 | 42.86 | 35.01 | 18.38 | 18.69 | 27.67 | 31.34 |
| Quick ratio | 0.18 | 0.20 | 0.32 | 45.98 | 42.86 | 35.01 | 18.38 | 18.69 | 27.67 | 31.34 |
| Debt / equity | 0.12 | 0.15 | 0.88 | 0.61 | 0.37 | 0.30 | 0.30 | 0.64 | 0.50 | 0.53 |
| Equity / assets | 9.2% | 7.9% | 7.4% | 6.5% | 8.8% | 9.9% | 11.6% | 11.3% | 10.6% | 9.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $33.4M | $31.9M | $275.0M | $493.9M | $473.6M | $476.9M | $293.0M | $471.7M | $476.1M | $492.8M | $474.3M | $455.4M |
| Cash & equivalents | $33.4M | $31.9M | $58.1M | $117.0M | $102.0M | $102.5M | $59.3M | $73.2M | $82.8M | $98.1M | $82.4M | $76.6M |
| Short-term investments | $364.5M | $370.1M | $216.9M | $376.9M | $371.6M | $374.4M | $233.8M | $398.6M | $393.3M | $394.7M | $391.9M | $378.8M |
| Receivables | $31.1M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $33.4M | $31.9M | $275.0M | $493.9M | $473.6M | $476.9M | $293.0M | $471.7M | $476.1M | $492.8M | $474.3M | $455.4M |
| Property, plant & equipment (net) | $17.2M | $17.4M | $17.6M | $18.1M | $18.4M | $18.9M | $18.9M | $19.4M | $20.3M | $20.9M | $21.4M | $21.7M |
| Goodwill & intangible assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-term investments | $367.1M | $372.7M | $380.0M | $379.5M | $374.3M | $377.0M | $390.7M | $401.3M | $396.0M | $397.5M | $394.8M | $381.7M |
| Other non-current assets | $1.35B | $1.31B | $1.03B | $846.9M | $827.6M | $820.2M | $949.3M | $769.2M | $763.0M | $758.4M | $745.4M | $748.5M |
| Total assets | $1.76B | $1.73B | $1.70B | $1.74B | $1.69B | $1.69B | $1.65B | $1.66B | $1.66B | $1.67B | $1.64B | $1.61B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $20.7M |
| Short-term debt | $367,000 | $550,000 | $750,000 | $208,000 | $378,000 | $567,000 | $773,000 | $8.4M | $18.8M | $59.2M | $86.7M | $83.0M |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | −$62.6M |
| Total current liabilities | $367,000 | $550,000 | $1.51B | $1.55B | $1.51B | $1.52B | $1.48B | $1.49B | $1.49B | $1.51B | $1.48B | $1.46B |
| Long-term debt | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M | $15.5M |
| Lease obligations | $3.3M | $3.4M | $3.6M | $3.8M | $3.8M | $4.0M | $4.1M | $4.3M | $4.5M | $4.7M | $4.8M | $5.0M |
| Other long-term liabilities | $1.59B | $1.56B | $20.3M | $20.5M | $20.6M | $21.4M | $21.2M | $21.5M | $20.8M | $21.4M | $20.7M | $20.7M |
| Total liabilities | $1.60B | $1.58B | $1.55B | $1.59B | $1.55B | $1.55B | $1.52B | $1.53B | $1.53B | $1.55B | $1.51B | $1.50B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $48.8M | $48.8M | $47.2M | $47.2M | $47.2M | $46.9M | $46.9M | $48.7M | $48.7M | $48.6M | $48.7M | $51.0M |
| Retained earnings (deficit) | $142.1M | $138.0M | $135.6M | $130.1M | $127.5M | $123.4M | $121.1M | $118.5M | $115.6M | $111.8M | $109.8M | $107.4M |
| Accumulated other comprehensive income | −$28.4M | −$27.1M | −$27.2M | −$29.3M | −$32.2M | −$33.6M | −$39.2M | −$30.9M | −$40.0M | −$39.3M | −$39.4M | −$51.0M |
| Total shareholders' equity | $161.3M | $158.1M | $157.1M | $149.5M | $144.0M | $138.5M | $130.6M | $136.3M | $124.3M | $121.1M | $121.0M | $107.4M |
| Key figures | ||||||||||||
| Total debt | $18.7M | $18.9M | $19.1M | $19.3M | $19.3M | $19.4M | $19.6M | $28.2M | $38.8M | $79.3M | $107.0M | $103.5M |
| Net cash (debt) | $14.7M | $13.0M | $255.9M | $474.6M | $454.3M | $457.4M | $273.4M | $443.5M | $437.3M | $413.4M | $367.3M | $351.9M |
| Working capital | $33.1M | $31.3M | −$1.23B | −$1.06B | −$1.04B | −$1.04B | −$1.19B | −$1.02B | −$1.02B | −$1.02B | −$1.00B | −$1.01B |
| Tangible book value | $161.3M | $158.1M | $157.1M | $149.5M | $144.0M | $138.5M | $130.6M | $136.3M | $124.3M | $121.1M | $121.0M | $107.4M |
| Book value per share | $29.35 | $28.76 | $19.58 | $27.32 | $26.33 | $25.27 | $23.85 | $24.86 | $22.70 | $22.01 | $21.81 | $19.21 |
| Shares outstanding | 5.5M | 5.5M | 8.0M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.5M | 5.6M |
| Current ratio | 91.12 | 57.95 | 0.18 | 0.32 | 0.31 | 0.31 | 0.20 | 0.32 | 0.32 | 0.33 | 0.32 | 0.31 |
| Quick ratio | 175.92 | 57.95 | 0.18 | 0.32 | 0.31 | 0.31 | 0.20 | 0.32 | 0.32 | 0.33 | 0.32 | 0.31 |
| Debt / equity | 0.12 | 0.12 | 0.12 | 0.13 | 0.13 | 0.14 | 0.15 | 0.21 | 0.31 | 0.66 | 0.88 | 0.96 |
| Equity / assets | 9.1% | 9.1% | 9.2% | 8.6% | 8.5% | 8.2% | 7.9% | 8.2% | 7.5% | 7.3% | 7.4% | 6.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 11, 2026); data from EODHD.
PEBK financial position
At the end of fiscal 2025 (December 31, 2025), Peoples Bancorp NC had total assets of $1.7 billion (up 3.0% from a year earlier), total liabilities of $1.5 billion and shareholders' equity of $157.1 million. It held $275.0 million in cash and short-term investments against $19.1 million of debt, a net cash position of $255.9 million. Its current ratio was 0.18. In the latest quarter (ended June 30, 2026) total assets were $1.8 billion and equity $161.3 million.
Related: PEBK income statement, PEBK cash flow statement, PEBK key metrics. See the PEBK stock overview for the latest quote and news.
PEBK balance sheet FAQ
What are Peoples Bancorp NC's total assets?
Peoples Bancorp NC reported total assets of $1.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.7 billion a year earlier.
How much debt does Peoples Bancorp NC have?
Peoples Bancorp NC had $19.1 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.12.
How much cash does Peoples Bancorp NC have?
Peoples Bancorp NC held $275.0 million in cash and short-term investments at the end of fiscal 2025; with $19.1 million of debt that is net cash of $255.9 million.
What is Peoples Bancorp NC's book value?
Peoples Bancorp NC's shareholders' equity (book value) was $157.1 million at the end of fiscal 2025, or $23.28 per share.
What is Peoples Bancorp NC's current ratio?
Peoples Bancorp NC had current assets of $275.0 million and current liabilities of $1.5 billion, a current ratio of 0.18 (current liabilities exceed current assets).