New Peoples Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.06 percentage points lower than in Q1 2026, at 247.74%. New Peoples Bank, Inc. ranks 24th of 56 Virginia banks on return on assets, in the upper half at 1.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. New Peoples Bank, Inc. sits 0.27 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.48% |
| Tier 1 risk-based capital ratio | 15.48% |
| Total risk-based capital ratio | 16.73% |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 10.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 3.34% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 247.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 15.17% |
| Net interest margin | 4.18% |
| Efficiency ratio | 60.67% |
| Yield on earning assets | 5.75% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.56% |
| Core deposits to total deposits | 92.83% |
| Brokered deposits to total deposits | 0.97% |
| Deposits to assets | 87.90% |
| Securities to assets | 10.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.24% | 15.24% | 16.46% | 11.06% | 1.07% |
| Q4 2023 | 15.33% | 15.33% | 16.58% | 11.11% | 0.88% |
| Q1 2024 | 15.29% | 15.29% | 16.54% | 10.81% | 0.97% |
| Q2 2024 | 15.49% | 15.49% | 16.74% | 10.71% | 0.90% |
| Q3 2024 | 15.65% | 15.65% | 16.90% | 10.84% | 1.08% |
| Q4 2024 | 14.94% | 14.94% | 16.19% | 10.70% | 1.31% |
| Q1 2025 | 14.61% | 14.61% | 15.86% | 10.67% | 0.95% |
| Q2 2025 | 14.56% | 14.56% | 15.81% | 10.74% | 1.22% |
| Q3 2025 | 14.80% | 14.80% | 16.05% | 10.80% | 1.29% |
| Q4 2025 | 15.26% | 15.26% | 16.51% | 10.93% | 1.32% |
| Q1 2026 | 15.13% | 15.13% | 16.38% | 11.00% | 1.39% |
| Q2 2026 | 15.48% | 15.48% | 16.73% | 11.17% | 1.53% |
New Peoples Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Peoples Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)