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Peoples Bancorp of North Carolina PEBK Bank Amount — Capital Required For Capital Adequacy

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VLYTier 1 Capital Adequacy Requirement
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Other financials

Income statement

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Revenue$21.6M+5.4%
Net income$4.4M+1.2%
EPS (diluted)$0.80+1.3%

Balance sheet

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Cash & equivalents$61.3M-40.2%
Total debt$3.4M-13.1%
Total equity$158.1M+14.2%
Total assets$1.7B+2.5%

Cash flow

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Operating cash flow$5.0M-15.1%
CapEx$448.0K-41.3%
Free cash flow$4.6M-11.3%

Valuation

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Market cap$228.8M+48.6%
Enterprise value$170.98M+204%
P/E11.5×+2.5×
P/S2.8×

Profitability

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Net margin20.5%
FCF margin26.4%

Returns & leverage

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Return on equity13.4%+0.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Peoples Bancorp of North Carolina in its filing.

Tagged under the XBRL concept us-gaap:CapitalRequiredForCapitalAdequacy.

The official record: Peoples Bancorp of North Carolina’s 10-K, filed March 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Peoples Bancorp of North Carolina's bank amount — capital required for capital adequacy?
Peoples Bancorp of North Carolina (PEBK) reported bank amount — capital required for capital adequacy of $106.59M in Q4 2025.
How has Peoples Bancorp of North Carolina's bank amount — capital required for capital adequacy changed year-over-year?
Peoples Bancorp of North Carolina's bank amount — capital required for capital adequacy increased by 4.4% year-over-year, from $102.12M to $106.59M.
What does bank amount — capital required for capital adequacy mean?
This represents the minimum amount of capital the banking segment is required to hold to meet regulatory standards for capital adequacy. It defines the baseline financial cushion necessary to operate within legal and supervisory frameworks.