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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.09% | 0.97% | 1.10% | 1.17% | 1.22% | 1.40% | 1.48% | +38 bps | |
| Return on Equity | 10.45% | 11.35% | 10.12% | 11.53% | 12.14% | 12.47% | 13.76% | 14.43% | +290 bps | |
| Net Interest Margin | 3.32% | 3.38% | 3.55% | 3.61% | 3.64% | 3.63% | 3.84% | 3.89% | +28 bps | |
| Efficiency Ratio | 70.16% | 69.95% | 70.83% | 68.32% | 67.06% | 65.99% | 61.86% | 61.26% | -706 bps | |
| Non-Interest Burden | 2.00% | 1.97% | 2.19% | 2.12% | 2.09% | 2.03% | 1.94% | 1.95% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.04% | 3.47% | 3.57% | 4.49% | 3.47% | 6.42% | 6.68% | 5.50% | +101 bps | |
| Loan Growth (YoY) | 3.22% | 3.04% | 5.03% | 8.73% | 9.42% | 7.92% | 7.84% | 5.43% | -330 bps | |
| Deposit Growth (YoY) | 8.22% | 5.08% | 4.86% | 5.18% | 4.73% | 6.01% | 6.54% | 5.79% | +61 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.50% | 0.67% | 0.50% | 0.44% | 0.53% | 0.43% | 0.45% | -5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.02% | 0.04% | 0.04% | 0.13% | 0.06% | +4 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.17% | 1.14% | 1.13% | 1.14% | 1.12% | 1.12% | -2 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.3x | 1.7x | 2.3x | 2.6x | 2.2x | 2.6x | 2.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.84% | 10.70% | 10.67% | 10.74% | 10.80% | 10.93% | 11.00% | 11.17% | +43 bps | |
| Total Risk-Based Capital | 16.90% | 16.19% | 15.86% | 15.81% | 16.05% | 16.51% | 16.38% | 16.73% | +92 bps | |
| Equity / Assets | 9.83% | 9.58% | 9.50% | 9.62% | 9.94% | 10.34% | 10.03% | 10.38% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.56% | 87.19% | 86.21% | 88.86% | 88.35% | 88.76% | 87.26% | 88.56% | -31 bps | |
| Liquid Assets / Assets | 10.28% | 6.35% | 7.56% | 5.95% | 7.30% | 6.96% | 8.13% | 7.04% | +108 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 342% | 338% | 346% | n/a | n/a | |