# PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from PEOPLES BANCORP OF NORTH CAROLINA INC's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/PEBK/mda/fy2025/): filed 2026-03-11; accession 0001654954-26-002154 (https://www.sec.gov/Archives/edgar/data/1093672/000165495426002154/pebk_10k.htm); latest 10-K
- [FY 2024 MD&A](/company/PEBK/mda/fy2024/): filed 2025-03-12; accession 0001654954-25-002689 (https://www.sec.gov/Archives/edgar/data/1093672/000165495425002689/pebk_10k.htm)
- [FY 2023 MD&A](/company/PEBK/mda/fy2023/): filed 2024-03-07; accession 0001654954-24-002793 (https://www.sec.gov/Archives/edgar/data/1093672/000165495424002793/pebk_10k.htm)
- [FY 2022 MD&A](/company/PEBK/mda/fy2022/): filed 2023-03-17; accession 0001654954-23-003112 (https://www.sec.gov/Archives/edgar/data/1093672/000165495423003112/pebk_10k.htm)
- [FY 2021 MD&A](/company/PEBK/mda/fy2021/): filed 2022-03-18; accession 0001654954-22-003418 (https://www.sec.gov/Archives/edgar/data/1093672/000165495422003418/pebk_10k.htm)

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