New Peoples Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.19 percentage points lower than in Q1 2026, at 200.93%. 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 80.84% on loan-to-deposit ratio. New Peoples Bank, Inc. sits 7.72 points higher, at 88.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $733.6M |
| Net loans and leases | $725.4M |
| Loans held for sale | $1.3M |
| Loans to total assets | 77.84% |
| Loan-to-deposit ratio | 88.56% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.61% |
| Multifamily (5+ residential) | 6.96% |
| Commercial and industrial | 8.04% |
| Consumer | 4.27% |
| Credit cards | 0.11% |
| Farm | 3.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.93% |
| Construction concentration (Tier 1 capital + allowance) | 46.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.42% |
| Interest income on loans | $11.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $626.2M | $706.3M | 35.47% | 7.82% | 3.49% |
| Q4 2023 | $638.1M | $717.7M | 37.64% | 8.34% | 3.55% |
| Q1 2024 | $638.6M | $742.0M | 37.52% | 8.15% | 3.92% |
| Q2 2024 | $639.9M | $744.4M | 37.69% | 7.94% | 4.25% |
| Q3 2024 | $646.4M | $764.3M | 37.98% | 8.00% | 4.35% |
| Q4 2024 | $657.5M | $754.1M | 37.05% | 8.45% | 4.35% |
| Q1 2025 | $670.7M | $778.0M | 37.14% | 8.86% | 4.58% |
| Q2 2025 | $695.8M | $783.0M | 36.07% | 8.42% | 4.55% |
| Q3 2025 | $707.3M | $800.5M | 35.74% | 7.58% | 4.55% |
| Q4 2025 | $709.6M | $799.5M | 36.04% | 7.49% | 4.37% |
| Q1 2026 | $723.3M | $828.9M | 35.34% | 7.25% | 4.30% |
| Q2 2026 | $733.6M | $828.4M | 34.61% | 8.04% | 4.27% |
New Peoples Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Peoples Bank, Inc., freeSource: Call Report Schedule RC-C, 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)