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New Peoples Bank, Inc.

Honaker, VA · Cert 34890 · New Peoples Bankshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=94). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

New Peoples Bank, Inc.

Honaker, VA · Cert 34890 · New Peoples Bankshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$942.5MAssets
$733.6MLoans
$828.4MDeposits
$97.8MEquity
Loan mix
88%RE $634.2M7%C&I $52.4M4%Consumer $31.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $584.9M29%Noninterest $243.5MQ2 2025Q2 2026

NIM

4.96%Q2 ’245.19%Q2 ’255.40%Q2 ’26+8%+8%

Non-interest income vs. expense

3.17%Q2 ’243.22%Q2 ’253.06%Q2 ’26+4%-8%

Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 3.2% share · #11 of 24 inst. · $0.2B of $5.9B

23.9% Russell
11.3% Tazewell
7.2% Mercer
41.8% Dickenson

Executive Summary

  • Earnings: ROA of 1.48%, up 38 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.45% of loans (-5 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.17%, up 43 bps from a year ago.
  • Funding: loans stand at 88.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+28 bps YoY

Efficiency Ratio (YTD, annualized)

61.26%-706 bps YoY

Tier 1 Leverage Ratio

11.17%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.17%1.22%1.40%1.48%+38 bps
Return on Equity11.53%12.14%12.47%13.76%14.43%+290 bps
Net Interest Margin3.61%3.64%3.63%3.84%3.89%+28 bps
Efficiency Ratio68.32%67.06%65.99%61.86%61.26%-706 bps
Non-Interest Burden2.12%2.09%2.03%1.94%1.95%-16 bps
Growth
Asset Growth (YoY)4.49%3.47%6.42%6.68%5.50%+101 bps
Loan Growth (YoY)8.73%9.42%7.92%7.84%5.43%-330 bps
Deposit Growth (YoY)5.18%4.73%6.01%6.54%5.79%+61 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.44%0.53%0.43%0.45%-5 bps
Net Charge-Offs / Loans0.02%0.04%0.04%0.13%0.06%+4 bps
Allowance / Loans1.14%1.13%1.14%1.12%1.12%-2 bps
Allowance Coverage of NPLs2.3x2.6x2.2x2.6x2.5x+0.2x
Capital
Tier 1 Leverage Ratio10.74%10.80%10.93%11.00%11.17%+43 bps
Total Risk-Based Capital15.81%16.05%16.51%16.38%16.73%+92 bps
Equity / Assets9.62%9.94%10.34%10.03%10.38%+76 bps
Liquidity & Funding
Loans / Deposits88.86%88.35%88.76%87.26%88.56%-31 bps
Liquid Assets / Assets5.95%7.30%6.96%8.13%7.04%+108 bps
CRE / Total Capitaln/a342%338%346%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

New Peoples Bank, Inc.

Honaker, VA · Cert 34890 · Peer group: banks under $1B in assets operating regionally (n=94) · New Peoples Bankshares Inc.

State charter, Fed member · FED · 19 branches

Q2 2026

$942.5MAssets
$733.6MLoans
$828.4MDeposits
$97.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 80% of banks under $1B in assets operating regionally (rank 19 of 94).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets operating regionally (rank 76 of 94).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.46%

Rank 24 of 94

Net Interest Margin

3.89%

Rank 41 of 94

Efficiency Ratio

61.26%

Rank 43 of 94

Equity / Assets

10.38%

Rank 43 of 94

Non-interest income vs. expense

$10.5M$29.2MINCOMEEXPENSE
Unfavorable gap of $18.6M · efficiency ratio beats 55% of banks under $1B in assets operating regionally
Bank 61.26%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.82%1.19%1.46%Beats 74%24 / 94
Return on Equity14.08%7.85%11.84%14.03%Beats 76%23 / 94
Net Interest Margin3.89%3.42%3.81%4.18%Beats 56%41 / 94
Efficiency Ratio61.26%55.99%62.41%73.02%Beats 55%43 / 94
Asset Quality
Nonperforming Loans / Loans0.45%0.19%0.47%1.14%Beats 52%46 / 94
Net Charge-Offs / Loans0.07%0.00%0.02%0.05%Beats 20%76 / 94
Capital
Tier 1 Capital Ratio15.48%10.28%11.95%15.07%Beats 79%20 / 94
Total Risk-Based Capital Ratio16.73%10.31%12.59%15.88%Beats 80%19 / 94
Equity / Assets10.38%8.98%10.21%11.41%Beats 54%43 / 94
Liquidity & Funding
Loans / Deposits88.56%72.62%84.44%94.55%65th pctl33 / 94
Loans / Assets77.84%62.50%72.84%78.99%69th pctl29 / 94
Brokered Deposits / Depositsn/aNot reported for this institution