| Metric | New Peoples Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.5 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.1 pts |
| ROA | 1.48% | 1.28% | +0.2 pts |
| ROE | 14.4% | 12.4% | +2.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $942.5M | $828.4M | $725.4M | $97.8M | $6.9M | 1.48% | 4.21% | 0.38% |
| Q1 2026 | $940.0M | $828.9M | $715.2M | $94.3M | $3.2M | 1.40% | 4.10% | 0.35% |
| Q4 2025 | $910.2M | $799.5M | $701.5M | $94.1M | $10.9M | 1.22% | 4.04% | 0.42% |
| Q3 2025 | $911.1M | $800.5M | $699.3M | $90.6M | $7.8M | 1.17% | 4.01% | 0.35% |
| Q2 2025 | $893.3M | $783.0M | $687.9M | $86.0M | $4.8M | 1.10% | 3.94% | 0.40% |
| Q1 2025 | $881.2M | $778.0M | $662.9M | $83.7M | $2.1M | 0.97% | 3.83% | 0.52% |
| Q4 2024 | $855.3M | $754.1M | $649.9M | $81.9M | $9.3M | 1.09% | 3.72% | 0.39% |
| Q3 2024 | $880.6M | $764.3M | $638.7M | $86.5M | $6.4M | 1.00% | 3.68% | 0.58% |
Loan mix (Q2 2026): real estate $638.1M · commercial $59.0M · consumer $31.3M · securities $98.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.28% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 61.2% | 51st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | New Peoples Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
19 branches in 11 counties across 4 states (+0 vs 2024) · $783.0M branch deposits. Biggest market: Russell, VA, ranked 2nd with 23.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Russell, VA | 4 | $166.7M | 23.60% | 2nd |
| Tazewell, VA | 3 | $134.9M | 10.40% | 5th |
| Mercer, WV | 2 | $87.9M | 6.88% | 4th |
| 8 more counties with Pro → | ||||
Virginia: 59th with 0.16% · West Virginia: 66th with 0.17% · Tennessee: 245th with 0.01% · North Carolina: 152nd with 0.00% · Kingsport-Bristol metro: 12th, 1.69% ·
Branch count: 2022 21 · 2023 19 · 2024 19 · 2025 19