New Peoples Bank, Inc.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
New Peoples Bank, Inc. is the primary bank subsidiary of its parent holding company, headquartered in Honaker, VA. Total assets stand at $942M. Returns are notably above industry norms: 1.53% ROA, 15.17% ROE, and 4.18% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 15.48% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.45% NPLs and a 3.34% Texas Ratio. New Peoples Bank, Inc operates a 19-branch network.
As of June 30, 2026, New Peoples Bank, Inc. reported a CET1 capital ratio of 15.48%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.45%, a Texas ratio of 3.34%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 53 Commerce Dr, Honaker, VA 24260
- County
- Russell
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 28, 1998
- Offices
- 19 domestic
- Employees (FTE)
- 177
- Domestic deposits
- $828.4M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $211K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 28, 1998
- FDIC Cert
- 34890
- Fed RSSD
- 2736451
- SEC CIK
- 1163389 → filed by NEW PEOPLES BANKSHARES, INC.
- Website
- www.newpeoples.bank →
- Parent Holding Company
- NEW PEOPLES BANKSHARES, INC. (RSSD 3049617) · NWPP
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full New Peoples Bank, Inc. terminal
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Unlock New Peoples Bank, Inc., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
New Peoples Bank, Inc. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.48% | 1.53% | 0.45% | 3.34% | 4.18% |
| Q1 2026 | 15.13% | 1.39% | 0.43% | 3.24% | 4.01% |
| Q4 2025 | 15.26% | 1.32% | 0.51% | 3.77% | 3.96% |
| Q3 2025 | 14.80% | 1.29% | 0.42% | 3.24% | 4.04% |
| Q2 2025 | 14.56% | 1.22% | 0.50% | 3.79% | 3.91% |
| Q1 2025 | 14.61% | 0.95% | 0.67% | 4.99% | 3.72% |
| Q4 2024 | 14.94% | 1.31% | 0.50% | 3.75% | 3.68% |
| Q3 2024 | 15.65% | 1.08% | 0.63% | 5.46% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grundy Office Branch | Grundy , VA | 24614 | $83.5M |
| New Peoples Bank, Inc. (main office) | Honaker , VA | 24260 | $76.6M |
| Princeton-Stafford Branch | Princeton , WV | 24740 | $68.0M |
| Abingdon Office Branch | Abingdon , VA | 24210 | $65.8M |
| Bluefield Office Branch | Bluefield , VA | 24605 | $56.9M |
| Pounding Mill Office | Pounding Mill , VA | 24637 | $53.6M |
| Esserville Branch | Norton , VA | 24273 | $51.3M |
| Bristol W. State Branch | Bristol , VA | 24201 | $49.8M |
| Gate City Office Branch | Gate City , VA | 24251 | $47.6M |
| Clintwood Office Branch | Clintwood , VA | 24228 | $47.3M |
| Castlewood Office | Castlewood , VA | 24224 | $45.7M |
| Lebanon Office | Lebanon , VA | 24266 | $41.6M |
| Haysi Office | Haysi , VA | 24256 | $40.1M |
| Tazewell Office Branch | Tazewell , VA | 24651 | $36.3M |
| Kingsport - E. Stone Branch | Kingsport , TN | 37660 | $28.5M |
| Princeton-Oakvale Branch | Princeton , WV | 24740 | $22.5M |
| Boone Branch | Boone , NC | 28607 | $13.1M |
| Itm Call Center Branch | Bristol , VA | 24202 | $0 |
| Honaker Operations Center Branch | Honaker , VA | 24260 | $0 |
Regulatory record
What the public regulatory sources show for New Peoples Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 3 against individuals associated with it
- October 9, 2013, Federal Reserve: Civil Money Penalty, $4,560: New Peoples Bank, Honaker, Virginia
- Period: Most recent institution action October 9, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in VA, rank 42 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 191 applications, 144 loans originated, $59.0M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about New Peoples Bank, Inc.
What are New Peoples Bank, Inc.'s total assets?
As of the Q2 2026 filing, New Peoples Bank, Inc. reported total assets of $942.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is New Peoples Bank, Inc. headquartered?
New Peoples Bank, Inc. is headquartered in Honaker, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was New Peoples Bank, Inc. founded?
New Peoples Bank, Inc. was established in 1998, per the FDIC institution directory.
Is New Peoples Bank, Inc. FDIC-insured?
Yes. New Peoples Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #34890). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Peoples Bank, Inc.?
New Peoples Bank, Inc.'s primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is New Peoples Bank, Inc.'s CET1 capital ratio?
New Peoples Bank, Inc. reported a Common Equity Tier 1 (CET1) capital ratio of 15.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does New Peoples Bank, Inc. operate?
New Peoples Bank, Inc. operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is New Peoples Bank, Inc.'s Texas Ratio?
New Peoples Bank, Inc.'s Texas Ratio is 3.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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