NEW PEOPLES BANK, INC.

HONAKER, VA | Medium | Est. Oct. 28, 1998, midnight | FDIC #34890 | RSSD #2736451 | FED
Latest Report: 2025-12-31

NEW PEOPLES BANK, INC. is amn medium FDIC-insured commercial bank headquartered in HONAKER, VA, established in Oct. 28, 1998, midnight. As of 2025-12-31, the bank reported total assets of $910M and total deposits of $799M. Profitability stands at 1.36% ROA and 13.39% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 15.26%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.51% and a Texas Ratio of 3.60%. FDIC Certificate #34890.

Assets

$910M

Deposits

$799M

Loans

$710M

Equity

$94M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 13.39%
Net Interest Margin (NIM) 4.23%
Yield on Assets 6.03%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.51%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.60%
NPA Ratio 0.40%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 15.26%
Tier 1 Capital 15.26%
Total Capital Ratio 16.51%
Leverage Ratio 10.93%
Loan-to-Deposit 88.76%

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