Form 4 Filing for PEOPLES BANCORP OF NORTH CAROLINA INC

This Form 4 filing details a transaction by Benjamin I. Zachary, a director at PEOPLES BANCORP OF NORTH CAROLINA INC. On December 22, 2025, Mr. Zachary acquired 121 shares of Common Stock at a price of $34.14 per share, as part of a 30-year service award. Following this transaction, his total ownership of Common Stock is 52,865.5027 shares, held directly.