New Peoples Bank, Inc.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio climbed 1.29 percentage points in Q2 2026, from 87.26% to 88.56%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, New Peoples Bank, Inc. is 27th of 56 on loan-to-deposit ratio, 88.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. New Peoples Bank, Inc. sits 7.61 points higher, at 88.56% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.3M |
| Cash and noninterest-bearing balances to assets | 8.86% |
| Cash and securities | $182.9M |
| Fed funds sold and reverse repos | $850K |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $7.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.74% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.56% |
| Net loans and leases to deposits | 87.57% |
| Loans and leases to core deposits | 94.41% |
| Core deposits to total deposits | 92.83% |
| Brokered deposits to total deposits | 0.97% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.66% | 94.54% | $0 | $10.0M |
| Q4 2023 | 88.92% | 93.24% | $0 | $20.0M |
| Q1 2024 | 86.07% | 92.65% | $0 | $20.0M |
| Q2 2024 | 85.96% | 92.72% | $0 | $20.0M |
| Q3 2024 | 84.56% | 92.39% | $0 | $20.0M |
| Q4 2024 | 87.19% | 93.17% | $0 | $10.0M |
| Q1 2025 | 86.21% | 92.72% | $0 | $10.0M |
| Q2 2025 | 88.86% | 92.19% | $0 | $15.0M |
| Q3 2025 | 88.35% | 92.46% | $0 | $10.0M |
| Q4 2025 | 88.76% | 91.86% | $0 | $7.0M |
| Q1 2026 | 87.26% | 92.70% | $0 | $7.0M |
| Q2 2026 | 88.56% | 92.83% | $0 | $7.0M |
New Peoples Bank, Inc. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock New Peoples Bank, Inc., freeSource: Call Report Schedules RC and RC-M, 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)