The Fly | PEBK

Local Market Expertise: Peoples Bancorp leverages its deep understanding of specific North Carolina markets, enabling tailored financial solutions and fostering strong local customer relationships.

Relationship-Centric Banking: The company focuses on personalized service and long-term customer relationships, building loyalty that differentiates it from larger, more transactional institutions.

Established Community Trust: As a long-standing local institution, PEBK benefits from a strong reputation and trust within its operating communities, which is crucial for attracting and retaining clients.

Interest Rate Volatility Risk: Changes in market interest rates could negatively impact the bank's net interest margin and profitability.

Credit Quality Deterioration Risk: Economic downturns or specific industry challenges could lead to increased loan defaults and higher provisions for credit losses.

Regulatory Compliance Burden Risk: Failure to comply with evolving banking regulations and supervisory requirements could result in fines, penalties, or operational restrictions.

Local Market Expertise: Peoples Bancorp leverages its deep understanding of specific North Carolina markets, enabling tailored financial solutions and fostering strong local customer relationships.

Relationship-Centric Banking: The company focuses on personalized service and long-term customer relationships, building loyalty that differentiates it from larger, more transactional institutions.

Interest Rate Volatility Risk: Changes in market interest rates could negatively impact the bank's net interest margin and profitability.

Credit Quality Deterioration Risk: Economic downturns or specific industry challenges could lead to increased loan defaults and higher provisions for credit losses.

Regulatory Compliance Burden Risk: Failure to comply with evolving banking regulations and supervisory requirements could result in fines, penalties, or operational restrictions.