Honaker, VA · Cert 34890 · New Peoples Bankshares Inc.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · Kingsport-Bristol, TN-VA · 2026 SOD (annual) · 3.2% share · #11 of 24 inst. · $0.2B of $5.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 1.31% | 1.36% | 1.40% | 1.55% | +31 bps | |
| Return on Equity | 12.92% | 13.39% | 13.39% | 13.76% | 15.17% | +225 bps | |
| Net Interest Margin | 3.74% | 3.86% | 3.79% | 3.84% | 4.01% | +26 bps | |
| Efficiency Ratio | 65.96% | 64.71% | 62.98% | 61.86% | 60.68% | -528 bps | |
| Non-Interest Burden | 2.09% | 2.11% | 1.97% | 1.94% | 2.00% | -9 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 / Loans | 0.50% | 0.44% | 0.53% | 0.43% | 0.45% | -5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.10% | 0.05% | 0.13% | -0.02% | -4 bps | |
| Allowance / Loans | 1.14% | 1.13% | 1.14% | 1.12% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.6x | 2.2x | 2.6x | 2.5x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.74% | 10.80% | 10.93% | 11.00% | 11.17% | +43 bps | |
| Total Risk-Based Capital | 15.81% | 16.05% | 16.51% | 16.38% | 16.73% | +92 bps | |
| Equity / Assets | 9.62% | 9.94% | 10.34% | 10.03% | 10.38% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.86% | 88.35% | 88.76% | 87.26% | 88.56% | -31 bps | |
| Liquid Assets / Assets | 5.95% | 7.30% | 6.96% | 8.13% | 7.04% | +108 bps | |
| CRE / Total Capital | n/a | 342% | 338% | 346% | n/a | n/a | |