New Peoples Bank, Inc.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.73% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.73% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.48% +8.98 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $106.5M | 106,473 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $687.7M | 687,715 | RCOAA223 |
| Recomputed ratio | 15.48% | numerator / denominator | |
| Filed ratio | 15.48% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.98 pp | $61.8M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.48% +7.48 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $106.5M | 106,473 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $687.7M | 687,715 | RCOAA223 |
| Recomputed ratio | 15.48% | numerator / denominator | |
| Filed ratio | 15.48% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.48 pp | $51.5M | capital that could be lost first |
Total risk-based capital ratio 16.73% +6.73 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $115.1M | 115,070 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $687.7M | 687,715 | RCOAA223 |
| Recomputed ratio | 16.73% | numerator / denominator | |
| Filed ratio | 16.73% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.73 pp | $46.3M | capital that could be lost first |
Tier 1 leverage ratio 11.17% +6.17 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $106.5M | 106,473 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $953.6M | 953,611 | RCOAA224 |
| Recomputed ratio | 11.17% | numerator / denominator | |
| Filed ratio | 11.17% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +6.17 pp | $58.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 52,934 | 52,934 | 52,934 | 52,934 | 52,934 | 52,934 | RCOAP742 |
| Retained earnings | 53,539 | 49,894 | 49,063 | 45,973 | 43,344 | 40,868 | RCOAKW00 |
| Accumulated other comprehensive income | (8,673) | (8,506) | (7,867) | (8,326) | (10,325) | (10,104) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 97,800 | 94,322 | 94,130 | 90,581 | 85,953 | 83,698 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 8,673 | 8,506 | 7,867 | 8,326 | 10,325 | 10,104 | P859 - P840 |
| Common equity Tier 1 capital | 106,473 | 102,828 | 101,997 | 98,907 | 96,278 | 93,802 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 106,473 | 102,828 | 101,997 | 98,907 | 96,278 | 93,802 | RCOA8274 |
| Tier 2 capital | 8,597 | 8,497 | 8,357 | 8,356 | 8,269 | 8,027 | RCOA5311 |
| Allowance includable in Tier 2 capital | 8,597 | 8,497 | 8,357 | 8,356 | 8,269 | 8,027 | RCOA5310 |
| Total capital | 115,070 | 111,325 | 110,354 | 107,263 | 104,547 | 101,829 | RCOA3792 |
| Total risk-weighted assets | 687,715 | 679,650 | 668,339 | 668,390 | 661,350 | 641,884 | RCOAA223 |
| Average total assets for the leverage ratio | 953,611 | 934,852 | 933,605 | 916,103 | 896,548 | 879,060 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $83.5M | $1.6M | 1.97% | 0.24% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $109.6M | $21.7M | 19.77% | 3.15% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $850K | $170K | 20.00% | 0.02% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $274.8M | $138.5M | 50.40% | 20.14% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $11.5M | $17.3M | 150.00% | 2.51% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $1.1M | $1.7M | 150.00% | 0.24% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $446.2M | $428.3M | 95.99% | 62.27% | RC-R Part II, item 4.d, 5.d |
| All other assets | $34.2M | $30.6M | 89.71% | 4.46% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $39.9M | $47.9M | 120.08% | 6.97% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $900 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $687.8M | ties to item 31 ($687.8M) |
|---|---|---|
| Risk-weighted assets before deductions | $687.8M | RCONB704 |
| Less: excess allowance for credit losses | $72K | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $687.7M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.48% | 15.48% | 16.73% | 11.17% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.13% | 15.13% | 16.38% | 11.00% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 15.26% | 15.26% | 16.51% | 10.93% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 14.80% | 14.80% | 16.05% | 10.80% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 14.56% | 14.56% | 15.81% | 10.74% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 14.61% | 14.61% | 15.86% | 10.67% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 14.94% | 14.94% | 16.19% | 10.70% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.65% | 15.65% | 16.90% | 10.84% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.49% | 15.49% | 16.74% | 10.71% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 15.29% | 15.29% | 16.54% | 10.81% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 15.33% | 15.33% | 16.58% | 11.11% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 15.24% | 15.24% | 16.46% | 11.06% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| New Peoples Bank, Inc. (this bank) | Risk-based | 15.48% | 15.48% | 16.73% | 11.17% | |
| The Farmers Bank | $942.8M | Risk-based | 20.50% | 20.50% | 21.66% | 15.09% |
| Atlantic Community Bankers Bank | $942.0M | Risk-based | 20.38% | 20.38% | 21.70% | 15.76% |
| First Community Bank of Tennessee | $943.8M | Risk-based | 14.78% | 14.78% | 15.37% | 10.32% |
| FNB Oxford Bank | $939.7M | CBLR | NA | NA | NA | 11.87% |
| Bank of Botetourt | $939.4M | CBLR | NA | NA | NA | 11.00% |
| United Prairie Bank | $939.3M | CBLR | NA | NA | NA | 9.68% |
| Security Bank | $939.0M | Risk-based | 13.34% | 13.34% | 14.60% | 11.84% |
| The First National Bank of Granbury | $946.3M | CBLR | NA | NA | NA | 12.13% |
| Mid-Missouri Bank | $946.7M | Risk-based | 14.89% | 14.89% | 16.12% | 10.80% |
| Winchester Co-Operative Bank | $946.9M | CBLR | NA | NA | NA | 11.80% |
| Peer 25th percentile | 14.78% | 14.78% | 15.37% | 10.85% | ||
| Peer median | 14.89% | 14.89% | 16.12% | 11.82% | ||
| Peer 75th percentile | 20.38% | 20.38% | 21.66% | 12.07% | ||
| This bank's percentile | 60 | 60 | 60 | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2736451/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.