New Peoples Bank, Inc.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 7.3% from Q1 2026 to Q2 2026, ending at $53.5M against $49.9M. It was the largest change among the key lines on this page. New Peoples Bank, Inc. ranks 17th of 44 Virginia banks on CET1 ratio, in the upper half at 15.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio; New Peoples Bank, Inc. reported 15.48% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 11.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $106.5M |
| Tier 1 capital | $106.5M |
| Total risk-based capital | $115.1M |
| Total equity capital | $97.8M |
| Risk-weighted assets | $687.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.38% |
| Tangible equity to tangible assets | 10.38% |
| Equity capital to average assets | 10.26% |
| Internal capital growth rate | 15.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12.0M |
| Common stock surplus | $40.9M |
| Retained earnings | $53.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.24% | 15.24% | 16.46% | 11.06% | $591.8M |
| Q4 2023 | 15.33% | 15.33% | 16.58% | 11.11% | $598.4M |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 10.81% | $600.0M |
| Q2 2024 | 15.49% | 15.49% | 16.74% | 10.71% | $602.0M |
| Q3 2024 | 15.65% | 15.65% | 16.90% | 10.84% | $611.0M |
| Q4 2024 | 14.94% | 14.94% | 16.19% | 10.70% | $628.8M |
| Q1 2025 | 14.61% | 14.61% | 15.86% | 10.67% | $641.9M |
| Q2 2025 | 14.56% | 14.56% | 15.81% | 10.74% | $661.4M |
| Q3 2025 | 14.80% | 14.80% | 16.05% | 10.80% | $668.4M |
| Q4 2025 | 15.26% | 15.26% | 16.51% | 10.93% | $668.3M |
| Q1 2026 | 15.13% | 15.13% | 16.38% | 11.00% | $679.6M |
| Q2 2026 | 15.48% | 15.48% | 16.73% | 11.17% | $687.7M |
New Peoples Bank, Inc. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock New Peoples Bank, Inc., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full New Peoples Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34890) · FFIEC NIC profile (RSSD 2736451)