<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!--XBRL Document Created with XBRLMaster-->
<!--Version: 2.3.08-->
<!--Based on XBRL 2.1-->
<!--Date of creation: 10/30/2026-->
<!--Software architectural design and coding: A'c Dharmapremananda Avt.-->
<!--Copyright (c) 2026 I-NET Business Solutions, Inc. All Rights Reserved.-->
<schema xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:us-gaap-att="http://fasb.org/us-gaap/attributes" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:currency="http://xbrl.sec.gov/currency/2025" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:us-types="http://fasb.org/us-types/2025" xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:srt="http://fasb.org/srt/2025" xmlns:ecd="http://xbrl.sec.gov/ecd/2025" xmlns:cyd="http://xbrl.sec.gov/cyd-af-sub/2025" xmlns:ffd="http://xbrl.sec.gov/ffd/2025" xmlns:pebk="http://pebk.com/20260930" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://pebk.com/20260930">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://pebk.com/role/Cover" id="Cover">
        <link:definition>000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedBalanceSheets" id="ConsolidatedBalanceSheets">
        <link:definition>110200 - Statement - Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedBalanceSheetsParenthetical" id="ConsolidatedBalanceSheetsParenthetical">
        <link:definition>110201 - Statement - Consolidated Balance Sheets (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedStatementsOfEarningsUnaudited" id="ConsolidatedStatementsOfEarningsUnaudited">
        <link:definition>124100 - Statement - Consolidated Statements of Earnings (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedStatementsOfComprehensiveIncomeUnaudited" id="ConsolidatedStatementsOfComprehensiveIncomeUnaudited">
        <link:definition>148400 - Statement - Consolidated Statements of Comprehensive Income (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedStatementsOfChangesInShareholdersEquityUnaudited" id="ConsolidatedStatementsOfChangesInShareholdersEquityUnaudited">
        <link:definition>148600 - Statement - Consolidated Statements of Changes in Shareholders' Equity (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ConsolidatedStatementsOfCashFlowsUnaudited" id="ConsolidatedStatementsOfCashFlowsUnaudited">
        <link:definition>170000 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InsiderTradingArrangements" id="InsiderTradingArrangements">
        <link:definition>995445 - Disclosure - Insider Trading Arrangements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/SummaryOfSignificantAccountingPolicies" id="SummaryOfSignificantAccountingPolicies">
        <link:definition>995446 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ComprehensiveIncome" id="ComprehensiveIncome">
        <link:definition>995447 - Disclosure - Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/NetEarningsPerShare" id="NetEarningsPerShare">
        <link:definition>995448 - Disclosure - Net Earnings Per Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecurities" id="InvestmentSecurities">
        <link:definition>995449 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/Loans" id="Loans">
        <link:definition>995450 - Disclosure - Loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/Leases" id="Leases">
        <link:definition>995451 - Disclosure - Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
        <link:definition>995452 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/FairValue" id="FairValue">
        <link:definition>995453 - Disclosure - Fair Value</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ReportableSegments" id="ReportableSegments">
        <link:definition>995454 - Disclosure - Reportable Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>995455 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ComprehensiveIncomeTables" id="ComprehensiveIncomeTables">
        <link:definition>995456 - Disclosure - Comprehensive Income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/NetEarningsPerShareTables" id="NetEarningsPerShareTables">
        <link:definition>995457 - Disclosure - Net Earnings Per Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecuritiesTables" id="InvestmentSecuritiesTables">
        <link:definition>995458 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansTables" id="LoansTables">
        <link:definition>995459 - Disclosure - Loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LeasesTables" id="LeasesTables">
        <link:definition>995460 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/CommitmentsAndContingenciesTables" id="CommitmentsAndContingenciesTables">
        <link:definition>995461 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/FairValueTables" id="FairValueTables">
        <link:definition>995462 - Disclosure - Fair Value (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ReportableSegmentsTables" id="ReportableSegmentsTables">
        <link:definition>995463 - Disclosure - Reportable Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/SummaryOfSignificantAccountingPoliciesDetailsNarrative" id="SummaryOfSignificantAccountingPoliciesDetailsNarrative">
        <link:definition>995464 - Disclosure - Summary of Significant Accounting Policies (Details Narrative)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ComprehensiveIncomeDetails" id="ComprehensiveIncomeDetails">
        <link:definition>995465 - Disclosure - Comprehensive Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/NetEarningsPerShareDetails" id="NetEarningsPerShareDetails">
        <link:definition>995466 - Disclosure - Net Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecuritiesDetails" id="InvestmentSecuritiesDetails">
        <link:definition>995467 - Disclosure - Investment Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecuritiesDetails1" id="InvestmentSecuritiesDetails1">
        <link:definition>995468 - Disclosure - Investment Securities (Details 1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecuritiesDetails2" id="InvestmentSecuritiesDetails2">
        <link:definition>995469 - Disclosure - Investment Securities (Details 2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/InvestmentSecuritiesDetailsNarrative" id="InvestmentSecuritiesDetailsNarrative">
        <link:definition>995470 - Disclosure - Investment Securities (Details Narrative)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails" id="LoansDetails">
        <link:definition>995471 - Disclosure - Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails1" id="LoansDetails1">
        <link:definition>995472 - Disclosure - Loans (Details 1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails2" id="LoansDetails2">
        <link:definition>995473 - Disclosure - Loans (Details 2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails3" id="LoansDetails3">
        <link:definition>995474 - Disclosure - Loans (Details 3)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails4" id="LoansDetails4">
        <link:definition>995475 - Disclosure - Loans (Details 4)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails5" id="LoansDetails5">
        <link:definition>995476 - Disclosure - Loans (Details 5)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails6" id="LoansDetails6">
        <link:definition>995477 - Disclosure - Loans (Details 6)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetails7" id="LoansDetails7">
        <link:definition>995478 - Disclosure - Loans (Details 7)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LoansDetailsNarrative" id="LoansDetailsNarrative">
        <link:definition>995479 - Disclosure - Loans (Details Narrative)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LeasesDetails" id="LeasesDetails">
        <link:definition>995480 - Disclosure - Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LeasesDetails1" id="LeasesDetails1">
        <link:definition>995481 - Disclosure - Leases (Details 1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/LeasesDetailsNarrative" id="LeasesDetailsNarrative">
        <link:definition>995482 - Disclosure - Leases (Details Narrative)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/CommitmentsAndContingenciesDetails" id="CommitmentsAndContingenciesDetails">
        <link:definition>995483 - Disclosure - Commitments and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/CommitmentsAndContingenciesDetails1" id="CommitmentsAndContingenciesDetails1">
        <link:definition>995484 - Disclosure - Commitments and Contingencies (Details 1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/CommitmentsAndContingenciesDetailsNarrative" id="CommitmentsAndContingenciesDetailsNarrative">
        <link:definition>995485 - Disclosure - Commitments and Contingencies (Details Narrative)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/FairValueDetails" id="FairValueDetails">
        <link:definition>995486 - Disclosure - Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/FairValueDetails1" id="FairValueDetails1">
        <link:definition>995487 - Disclosure - Fair Value (Details 1)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/FairValueDetails2" id="FairValueDetails2">
        <link:definition>995488 - Disclosure - Fair Value (Details 2)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://pebk.com/role/ReportableSegmentsDetails" id="ReportableSegmentsDetails">
        <link:definition>995489 - Disclosure - Reportable Segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="pebk-20260930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pebk-20260930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pebk-20260930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="pebk-20260930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/currency/2025" schemaLocation="https://xbrl.sec.gov/currency/2025/currency-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
  <import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd" />
  <import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
  <import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd" />
  <element id="pebk_InvestmentInAvailableForSaleSecurities" name="InvestmentInAvailableForSaleSecurities" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LoansReceivableFairValueDisclosureGross" name="LoansReceivableFairValueDisclosureGross" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_OtherTimeDeposits" name="OtherTimeDeposits" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_CommonStockHeldByDeferredCompensationTrust" name="CommonStockHeldByDeferredCompensationTrust" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_NonInterestIncomeServiceCharges" name="NonInterestIncomeServiceCharges" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_NonInterestIncomeFromOtherServiceChargesAndFees" name="NonInterestIncomeFromOtherServiceChargesAndFees" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ManagementFeeRevenue" name="ManagementFeeRevenue" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebitCardExpense" name="DebitCardExpense" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_CashDividendsDeclaredOnCommonStock" name="CashDividendsDeclaredOnCommonStock" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_EquityIncentivePlanNetValue" name="EquityIncentivePlanNetValue" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_CashSurrenderValueOfLifeInsuranceDuringPeriod" name="CashSurrenderValueOfLifeInsuranceDuringPeriod" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_IncreaseDecreaseInRightOfUseLeaseAsset" name="IncreaseDecreaseInRightOfUseLeaseAsset" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_PaymentsToAcquireInvestmentInAvailableForSaleSecurities" name="PaymentsToAcquireInvestmentInAvailableForSaleSecurities" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ProceedsFromSaleOfInvestmentInAvailableForSaleSecurities" name="ProceedsFromSaleOfInvestmentInAvailableForSaleSecurities" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ProceedsFromPaydownsOfInvestmentSecuritiesAvailableForSale" name="ProceedsFromPaydownsOfInvestmentSecuritiesAvailableForSale" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ProceedsFromDotSettlementReceivable" name="ProceedsFromDotSettlementReceivable" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ProceedsFromRestrictedStockUnitsVested" name="ProceedsFromRestrictedStockUnitsVested" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_CashPaidDuringThePeriodForAbstract" name="CashPaidDuringThePeriodForAbstract" nillable="true" abstract="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_UnrealizedLossOnInvestmentSecuritiesAvailableForSaleNetIncreaseDecrease" name="UnrealizedLossOnInvestmentSecuritiesAvailableForSaleNetIncreaseDecrease" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LeaseRightOfUseAssetAndLeaseLiabilityInitiallyRecognized" name="LeaseRightOfUseAssetAndLeaseLiabilityInitiallyRecognized" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ScheduleOfNonAccrualLoansTableTextBlock" name="ScheduleOfNonAccrualLoansTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AmortizedCostOfCollateralDependentLoansAndAnyRelatedAllowanceTableTextBlock" name="AmortizedCostOfCollateralDependentLoansAndAnyRelatedAllowanceTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ScheduleOfCollateralDependentLoanAndNonAccuralLoanTableTextBlock" name="ScheduleOfCollateralDependentLoanAndNonAccuralLoanTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ScheduleOfCreditQualityIndicatorAndAmortizedCostOfBanksLoanTableTextBlock" name="ScheduleOfCreditQualityIndicatorAndAmortizedCostOfBanksLoanTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ScheduleOfCreditQualityIndicatorGrossLoanChargeOffTableTextBlock" name="ScheduleOfCreditQualityIndicatorGrossLoanChargeOffTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ScheduleOfFinancialInstrumentsWithCreditRiskTableTextBlock" name="ScheduleOfFinancialInstrumentsWithCreditRiskTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_FairValueOfTheCompanysFinancialInstrumentsCarryingAmountTableTextBlock" name="FairValueOfTheCompanysFinancialInstrumentsCarryingAmountTableTextBlock" nillable="true" xbrli:periodType="duration" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_PreferredSecuritiesDescription" name="PreferredSecuritiesDescription" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_OtherComprehensiveIncomeLossReductionInStateTaxAdjustmentNet" name="OtherComprehensiveIncomeLossReductionInStateTaxAdjustmentNet" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_OtherComprehensiveIncomeLossCurrentPeriodOtherComprehensiveIncomeLossNetOfTax" name="OtherComprehensiveIncomeLossCurrentPeriodOtherComprehensiveIncomeLossNetOfTax" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_SharesHeldInDeferredCompTrust" name="SharesHeldInDeferredCompTrust" nillable="true" xbrli:periodType="duration" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AvailableForSaleSecuritiesDebtSecuritiesFairValue" name="AvailableForSaleSecuritiesDebtSecuritiesFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleFairValueLessThan12Months" name="DebtSecuritiesAvailableForSaleFairValueLessThan12Months" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleFairValueLessThanTwelveMonths" name="DebtSecuritiesAvailableForSaleFairValueLessThanTwelveMonths" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleUnrealizedLossesLessThanTwelveMonths" name="DebtSecuritiesAvailableForSaleUnrealizedLossesLessThanTwelveMonths" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleFairValueTwelveMonthsOrMore" name="DebtSecuritiesAvailableForSaleFairValueTwelveMonthsOrMore" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleUnrealizedLossesTwelveMonthsOrMore" name="DebtSecuritiesAvailableForSaleUnrealizedLossesTwelveMonthsOrMore" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleFairvalue" name="DebtSecuritiesAvailableForSaleFairvalue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DebtSecuritiesAvailableForSaleUnrealizedLoss" name="DebtSecuritiesAvailableForSaleUnrealizedLoss" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesAmortizedCost" name="Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesAmortizedCost" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesFairValue" name="Available-For-SaleSecuritiesDebtMaturitiesMortgage-BackedSecuritiesFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_InvestmentSecuritiesFairValueUnrealizedLosses" name="InvestmentSecuritiesFairValueUnrealizedLosses" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ProceedFromSaleOfAvailableForSaleSecurities" name="ProceedFromSaleOfAvailableForSaleSecurities" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_InvestmentsInAvailableForSaleSecuritiesGrossRealizedGains" name="InvestmentsInAvailableForSaleSecuritiesGrossRealizedGains" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LoansReceivableHeldForSaleAmountGross" name="LoansReceivableHeldForSaleAmountGross" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_FinancingReceivableRecordedInvestmentLoans" name="FinancingReceivableRecordedInvestmentLoans" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_FinancingReceivableRecordedInvestmentNonaccrual" name="FinancingReceivableRecordedInvestmentNonaccrual" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_TotalPastDueLoans" name="TotalPastDueLoans" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_TotalCurrentLoans" name="TotalCurrentLoans" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_FinancingReceivableRecordedInvestmentLoansNintyOrMoreDaysPastDue" name="FinancingReceivableRecordedInvestmentLoansNintyOrMoreDaysPastDue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AllowanceForCreditLossBeginningBalance" name="AllowanceForCreditLossBeginningBalance" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ChargeoffsAllowancesForLoanLosses" name="ChargeoffsAllowancesForLoanLosses" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_lossesforloan" name="lossesforloan" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LoansEndingBalanceIndividuallyEvaluatedForImpairment" name="LoansEndingBalanceIndividuallyEvaluatedForImpairment" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LossOfCreditlossloans" name="LossOfCreditlossloans" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_UnfundedLoanCommitmentsAllowanceForCreditLoss" name="UnfundedLoanCommitmentsAllowanceForCreditLoss" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AllowanceForCreditLosses" name="AllowanceForCreditLosses" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LoansEndingBalanceIndividuallyEvaluatedForImpairmentsOne" name="LoansEndingBalanceIndividuallyEvaluatedForImpairmentsOne" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AllowanceForCreditLossBeginningBalances" name="AllowanceForCreditLossBeginningBalances" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationYearEight" name="GrossLoanChargeOffOriginationYearEight" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffsByOriginationYearSeven" name="GrossLoanChargeOffsByOriginationYearSeven" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationYearSix" name="GrossLoanChargeOffOriginationYearSix" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationYearFive" name="GrossLoanChargeOffOriginationYearFive" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationFour" name="GrossLoanChargeOffOriginationFour" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationYearPriorYear" name="GrossLoanChargeOffOriginationYearPriorYear" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffOriginationOutstanding" name="GrossLoanChargeOffOriginationOutstanding" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeRevolvingConvertedToTermLoan" name="GrossLoanChargeRevolvingConvertedToTermLoan" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeoffLoans" name="GrossLoanChargeoffLoans" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GrossLoanChargeOffsByOriginationYearNine" name="GrossLoanChargeOffsByOriginationYearNine" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_FinancingReceivableOnNonaccrualStatusIndividuallyEvaluatedForImpairment" name="FinancingReceivableOnNonaccrualStatusIndividuallyEvaluatedForImpairment" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_DescriptionRelatedToCaresAndPPP" name="DescriptionRelatedToCaresAndPPP" nillable="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_OperatingCashFlowsFromOperatingLeases" name="OperatingCashFlowsFromOperatingLeases" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_WeightedAverageRemainingLeaseTermOperatingLeases" name="WeightedAverageRemainingLeaseTermOperatingLeases" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_OperatingLeaseRightOfUseAssets" name="OperatingLeaseRightOfUseAssets" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LeaseTermDuringPeriod" name="LeaseTermDuringPeriod" nillable="true" xbrli:periodType="duration" type="xbrli:durationItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AllowanceForCreditLossesForUnfundedLoanCommitmentsBeginningBalance" name="AllowanceForCreditLossesForUnfundedLoanCommitmentsBeginningBalance" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_SecuritiesBorrowedAllowanceForBedDebtsAndCreditLossRecovery" name="SecuritiesBorrowedAllowanceForBedDebtsAndCreditLossRecovery" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AllowanceForCreditLossesForUnfundedLoanCommitmentsEndingBalance" name="AllowanceForCreditLossesForUnfundedLoanCommitmentsEndingBalance" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_AvailableForSaleSecuritiesFairValue" name="AvailableForSaleSecuritiesFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_GenralRangeOfSignificantUnobservableInputsPercentage" name="GenralRangeOfSignificantUnobservableInputsPercentage" nillable="true" xbrli:periodType="duration" type="num:percentItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_InvestmentSecuritiesAvailableForSale" name="InvestmentSecuritiesAvailableForSale" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_MutualFundsHeldInDeferredCompensationTrust" name="MutualFundsHeldInDeferredCompensationTrust" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_ComprehensiveIncomeAbstract" name="ComprehensiveIncomeAbstract" nillable="true" abstract="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_NetEarningsPerShareAbstract" name="NetEarningsPerShareAbstract" nillable="true" abstract="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element id="pebk_LoansAbstract" name="LoansAbstract" nillable="true" abstract="true" xbrli:periodType="duration" type="xbrli:stringItemType" substitutionGroup="xbrli:item" />
  <element name="USTreasuryMember" id="pebk_USTreasuryMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConstructionAndLandDevelopmentMember" id="pebk_ConstructionAndLandDevelopmentMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ResidentialPropertyMember" id="pebk_ResidentialPropertyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="MultifamilyAndFarmlandMember" id="pebk_MultifamilyAndFarmlandMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="IndividuallyEvaluatedLoansMember" id="pebk_IndividuallyEvaluatedLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="TopMember" id="pebk_TopMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="BottomMember" id="pebk_BottomMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="DevelopedLandMember" id="pebk_DevelopedLandMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="BusinessAssetsMember" id="pebk_BusinessAssetsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="DeferredCompensationMember" id="pebk_DeferredCompensationMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="commonstockheldbyDeferredCompensationtrustMember" id="pebk_commonstockheldbyDeferredCompensationtrustMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="BankingOperationsMember" id="pebk_BankingOperationsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CBRESMember" id="pebk_CBRESMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="OtherMember" id="pebk_OtherMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsolidatedMember" id="pebk_ConsolidatedMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="USTreasuriesMember" id="pebk_USTreasuriesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="GSEMortgageBackedSecuritiesMember" id="pebk_GSEMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="PrivateLabelMortgageBackedSecuritiesMember" id="pebk_PrivateLabelMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialPropertyMember" id="pebk_CommercialPropertyMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CollateralDependentMember" id="pebk_CollateralDependentMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstatesMember" id="pebk_RealEstatesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialLoansMember" id="pebk_CommercialLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerLoansMember" id="pebk_ConsumerLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherTotalLoansMember" id="pebk_AllOtherTotalLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="MutualFundsHeldInDeferredCompensationTrustMember" id="pebk_MutualFundsHeldInDeferredCompensationTrustMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="TotalRealEstatesMember" id="pebk_TotalRealEstatesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LoansNotSecuredByRealEstateMember" id="pebk_LoansNotSecuredByRealEstateMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerLoanOnesMember" id="pebk_ConsumerLoanOnesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherTotalLoansOneMember" id="pebk_AllOtherTotalLoansOneMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ResidentialRealEstatesMember" id="pebk_ResidentialRealEstatesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialRealEstatesMember" id="pebk_CommercialRealEstatesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="PrivateLabelMortgageMember" id="pebk_PrivateLabelMortgageMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="PrivatelLabelMortgageBackedSecuritiesMember" id="pebk_PrivatelLabelMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="FairValueMeasurementsCarryingValueMember" id="pebk_FairValueMeasurementsCarryingValueMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LevelOneValuationMember" id="pebk_LevelOneValuationMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LevelTwoValuationMember" id="pebk_LevelTwoValuationMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LevelThreeValuationMember" id="pebk_LevelThreeValuationMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="FarmLoansNotSecuredByRealEstateMember" id="pebk_FarmLoansNotSecuredByRealEstateMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherLoansMember" id="pebk_AllOtherLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerAndAllOtherLoanMember" id="pebk_ConsumerAndAllOtherLoanMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConstructionAndLandDevelopmentPassMember" id="pebk_ConstructionAndLandDevelopmentPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConstructionAndLandDevelopmentWatchMember" id="pebk_ConstructionAndLandDevelopmentWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConstructionAndLandDevelopmentSubstandardMember" id="pebk_ConstructionAndLandDevelopmentSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="SingleFamilyResidentialPassMember" id="pebk_SingleFamilyResidentialPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="SingleFamilyResidentialWatchMember" id="pebk_SingleFamilyResidentialWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="SingleFamilyResidentialSubstandardMember" id="pebk_SingleFamilyResidentialSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="SingleFamilyResidentialMember" id="pebk_SingleFamilyResidentialMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialRealEstatesPassMember" id="pebk_CommercialRealEstatesPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialRealEstatesWatchMember" id="pebk_CommercialRealEstatesWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialRealEstatesSubstandardMember" id="pebk_CommercialRealEstatesSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="MultifamilyAndFarmlandPassMember" id="pebk_MultifamilyAndFarmlandPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="MultifamilyAndFarmlandWatchMember" id="pebk_MultifamilyAndFarmlandWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="MultifamilyAndFarmlandSubstandardMember" id="pebk_MultifamilyAndFarmlandSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansAggregateMember" id="pebk_RealEstateLoansAggregateMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialLoansPassMember" id="pebk_CommercialLoansPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialLoansWatchMember" id="pebk_CommercialLoansWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="CommercialLoansSubstandardMember" id="pebk_CommercialLoansSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="FarmLoansNotSecuredByRealEstatePassMember" id="pebk_FarmLoansNotSecuredByRealEstatePassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="FarmLoansNotSecuredByRealEstateWatchMember" id="pebk_FarmLoansNotSecuredByRealEstateWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="FarmLoansNotSecuredByRealEstateSubstandardMember" id="pebk_FarmLoansNotSecuredByRealEstateSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerLoansPassMember" id="pebk_ConsumerLoansPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerLoansWatchMember" id="pebk_ConsumerLoansWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="ConsumerLoansSubstandardMember" id="pebk_ConsumerLoansSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherLoansPassMember" id="pebk_AllOtherLoansPassMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherLoansWatchMember" id="pebk_AllOtherLoansWatchMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AllOtherLoansSubstandardMember" id="pebk_AllOtherLoansSubstandardMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="AggregateLoansNotSecuredMember" id="pebk_AggregateLoansNotSecuredMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansConstructionAndLandDevelopmentMember" id="pebk_RealEstateLoansConstructionAndLandDevelopmentMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansSingleFamilyResidentialMember" id="pebk_RealEstateLoansSingleFamilyResidentialMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansMember" id="pebk_RealEstateLoansMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LoansNotSecuredByRealEstateCommercialMember" id="pebk_LoansNotSecuredByRealEstateCommercialMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LoansNotSecuredByRealEstateConsumerMember" id="pebk_LoansNotSecuredByRealEstateConsumerMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LoansNotSecuredByRealEstateAllOtherMember" id="pebk_LoansNotSecuredByRealEstateAllOtherMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="LoansNotSecuredByRealEstateGrossChargeOffsMember" id="pebk_LoansNotSecuredByRealEstateGrossChargeOffsMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansCommercialMember" id="pebk_RealEstateLoansCommercialMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
  <element name="RealEstateLoansMultifamilyAndFarmlandMember" id="pebk_RealEstateLoansMultifamilyAndFarmlandMember" nillable="true" xbrli:periodType="duration" type="nonnum:domainItemType" substitutionGroup="xbrli:item" />
</schema>
