New Peoples Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks New Peoples Bank, Inc. of Honaker, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.34% | +0.19% | 64th above |
| ROAE | 15.17% | 13.31% | +1.86% | 67th above |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 60.67% | 61.14% | -0.47% | 52nd above |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 73rd above |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 1.73% | 1.88% | -0.15% | 55th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.31% | 3.32% | -0.01% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.12% | 1.28% | -0.16% | 40th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 247.74% | 1539.96% | -1292.22% | 54th above |
| Texas Ratio | 3.34% | 7.34% | -4.00% | 51st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 151.18% | 1397.22% | -1246.04% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 19.51% | -4.03% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.48% | 19.54% | -4.06% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.73% | 20.63% | -3.90% | 55th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.17% | 12.14% | -0.97% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.38% | -1.00% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.38% | 11.09% | -0.71% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.56% | 80.63% | +7.93% | 31st below |
| Core Deposit Ratio | 92.83% | 86.86% | +5.97% | 73rd above |
| Wholesale Funding Ratio | 0.74% | 5.04% | -4.30% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.50% | 6.85% | -1.35% | 58th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.43% | 7.91% | -2.48% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.79% | 6.29% | -0.50% | 63rd above |
See New Peoples Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock New Peoples Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full New Peoples Bank, Inc. profile, how to read a UBPR, or how this data updates.