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
Unfavorable gap of $18.6M · efficiency ratio beats 55% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.82% | 1.19% | 1.46% | Beats 74% | 24 / 94 | | |
| Return on Equity | 14.08% | 7.85% | 11.84% | 14.03% | Beats 76% | 23 / 94 | | |
| Net Interest Margin | 3.89% | 3.42% | 3.81% | 4.18% | Beats 56% | 41 / 94 | | |
| Efficiency Ratio | 61.26% | 55.99% | 62.41% | 73.02% | Beats 55% | 43 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.19% | 0.47% | 1.14% | Beats 52% | 46 / 94 | | |
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.02% | 0.05% | Beats 20% | 76 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 15.48% | 10.28% | 11.95% | 15.07% | Beats 79% | 20 / 94 | | |
| Total Risk-Based Capital Ratio | 16.73% | 10.31% | 12.59% | 15.88% | Beats 80% | 19 / 94 | | |
| Equity / Assets | 10.38% | 8.98% | 10.21% | 11.41% | Beats 54% | 43 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.56% | 72.62% | 84.44% | 94.55% | 65th pctl | 33 / 94 | | |
| Loans / Assets | 77.84% | 62.50% | 72.84% | 78.99% | 69th pctl | 29 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |