BlastPoint's Banking Scorecard

New Peoples Bank, Inc.

$100M-$1B Specialty: Commercial VA FDIC cert 34890

Honaker, VA

19 branches across VA · WV · NC · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in VA.
Deposits +5.8% year over year ($828.4M on the books).
Delinquency rate 0.46%.
Return on assets 1.48%.
Efficiency ratio 61.26% vs a 64.48% peer average.
Loan-to-deposit ratio 87.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA

View $100M-$1B leaderboard (VA) →

New Peoples Bank, Inc. shows strong momentum with 5 strengths and 5.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 37.2% in tier
+ ROA 0.16% above tier average
+ Net Interest Margin 0.22% above tier average
+ Efficiency Ratio 3.22% below tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when New Peoples Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$942.5M +5.5% YoY +0.3% QoQ	+$555.9M	$386.6M +1.2% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	Top 2.1% in tier
Total Loans ?	$725.4M +5.5% YoY +1.4% QoQ	+$467.0M	$258.3M +1.7% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	Top 1.6% in tier
Total Deposits ?	$828.4M +5.8% YoY -0.1% QoQ	+$501.7M	$326.7M +0.7% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	Top 1.1% in tier
Return on Assets ?	1.48% +34.1% YoY +5.5% QoQ	+0.16%	1.32% +10.8% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	4.21% +7.0% YoY +2.6% QoQ	+0.22%	3.99% +5.0% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	61.26% -10.3% YoY -1.0% QoQ	-3.22%	64.48% -3.2% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.46% -10.1% YoY +4.3% QoQ	-0.46%	0.92% +15.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	87.57% -0.3% YoY +1.5% QoQ	+9.61%	77.95% +1.0% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	29.39% +6.1% YoY -0.1% QoQ	+7.36%	22.03% -0.6% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.38% -5.6% YoY +6.4% QoQ	-0.29%	0.67% +16.4% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	15.48% +6.3% YoY +2.3% QoQ	-0.43%	15.91% +1.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.56% +1.1% YoY +97.0% QoQ	-0.01%	0.57% +7.6% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 7.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Noninterest-Bearing	29.4% +1.7pp YoY 0.0pp QoQ	+7.2pp	22.1%	26.2%	22.2%	80%
Brokered Deposits	1.0% -1.3pp YoY 0.0pp QoQ	-6.9pp	7.9%	8.5%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	8.1% -0.4pp YoY +0.8pp QoQ	-3.4pp	11.6%	11.0%	12.5%	42%
CRE	49.4% +1.7pp YoY -0.3pp QoQ	+9.9pp	39.5%	46.9%	41.4%	69%
1-4 Family	35.0% -1.2pp YoY -0.5pp QoQ	+2.4pp	32.6%	32.6%	31.3%	61%
Consumer	4.3% -0.3pp YoY 0.0pp QoQ	+0.2pp	4.1%	8.0%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.5% +0.9pp YoY +0.3pp QoQ	-3.3pp	18.8%	17.2%	19.7%	54%
Leverage Ratio	11.2% +0.4pp YoY +0.2pp QoQ	-1.0pp	12.2%	12.2%	12.6%	53%
Total Capital Ratio	16.7% +0.9pp YoY +0.4pp QoQ	-3.2pp	19.9%	18.3%	20.8%	55%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	177 -2 (-1.1%) YoY 0 QoQ	+118	58	1,956	482	99%
Assets per Employee ($)	$5.3M +6.7% YoY +0.3% QoQ	-$2.2M	$7.5M	$9.9M	$8.8M	20%
Branch Count	19 0 YoY 0 QoQ	+14	4	28	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.5% 0.0pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.7%	1.0%	50%
Allowance Coverage	2.48x +9.1% YoY -4.3% QoQ	-21.68x	24.15x	9.47x	20.23x	53%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	14.4% +2.9pp YoY +0.7pp QoQ	+2.2pp	12.2%	12.0%	11.6%	64%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	46%
Net Income ($, YTD)	$6.9M +42.4% YoY — QoQ	+$4.3M	$2.6M	$137.1M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#247 of 661 • Top 37.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.56%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $828.39M

Peer Median: $326.73M

#29 of 2643 Top 1.1% in $100M-$1B

Total Loans

size

Value: $725.38M

Peer Median: $258.35M

#44 of 2643 Top 1.6% in $100M-$1B

Total Assets

size

Value: $942.46M

Peer Median: $386.57M

#56 of 2643 Top 2.1% in $100M-$1B

210

Non-Interest Income / Assets

revenue_mix

Value: 0.56%

Peer Median: 0.57%

#210 of 2643 Top 7.9% in $100M-$1B

524

Non-Interest-Bearing Deposit Share

funding

Value: 29.39%

Peer Median: 22.03%

#524 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available