New Peoples Bank, Inc.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.18% against 4.01%. It was the largest change among the key lines on this page. Within Virginia, New Peoples Bank, Inc. is 19th of 56 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. New Peoples Bank, Inc. sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.42% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $3.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.95% | 1.27% | 3.81% | 5.45% | 1.98% |
| Q4 2023 | 5.10% | 1.58% | 3.68% | 5.60% | 1.99% |
| Q1 2024 | 5.26% | 1.85% | 3.59% | 5.78% | 2.03% |
| Q2 2024 | 5.32% | 2.00% | 3.52% | 5.84% | 2.18% |
| Q3 2024 | 5.50% | 2.16% | 3.57% | 6.07% | 2.26% |
| Q4 2024 | 5.48% | 1.99% | 3.68% | 6.08% | 2.38% |
| Q1 2025 | 5.41% | 1.88% | 3.72% | 6.00% | 2.53% |
| Q2 2025 | 5.57% | 1.84% | 3.91% | 6.17% | 2.56% |
| Q3 2025 | 5.75% | 1.91% | 4.04% | 6.36% | 2.60% |
| Q4 2025 | 5.65% | 1.96% | 3.96% | 6.28% | 2.64% |
| Q1 2026 | 5.61% | 1.82% | 4.01% | 6.25% | 2.66% |
| Q2 2026 | 5.75% | 1.73% | 4.18% | 6.42% | 2.77% |
New Peoples Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock New Peoples Bank, Inc., freeSource: Call Report Schedules RI and RC-K, 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.
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