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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

New Peoples Bank Inc

Honaker, Virginia · $942M in assets · beside the 11 other Virginia banks between $300M and $1B

The filing

31.4%
CRE / loans
10th of 12
0.45%
NPA / loans
9th of 12
2.5x
Coverage of noncurrent
9th of 12

New Peoples Bank Inc is the second largest of the 12 Virginia banks nearest its size between $300M and $1B, with $942M in assets at 30 June 2026. Loans are 88.6% of deposits, 7th of 12 against a median of 85.7%, and equity is 10.4% of assets, 7th of 12. Loans grew +5.4% in the year, 8th of 12, and deposits grew 5.8%; the cohort's median loan growth is +7.2%.

Noncurrent loans are 0.45% of the book, 9th of 12 against a median of 0.22%; 0.38% is 30 to 89 days past due, and the allowance covers them 2.5 times. Commercial real estate is 31.4% of loans, 10th of 12 against a median of 24.6%, and 200% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is 1.44%, 6th of 12 against a median of 1.42%, on an efficiency ratio of 61.3%, 8th of 12. Five years ago it was 0.86%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansVA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 24.6% FS First Sentinel Bank 4.9% Bo Bank of Southside Virginia 6.5% Bo Bank of Marion 7.0% FB Farmers Bank of Appomattox 17.1% OV Oak View National Bank 19.5% CB Citizens Bank & Trust Co. 21.6% Bo Bank of Botetourt 27.6% PV Powell Valley National Bank 28.4% PB Pioneer Bank 28.7% NP New Peoples Bank Inc 31.4% SB Select Bank 33.9% TB Trupoint Bank 34.2%
Loans, year over yearVA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +7.2% TB Trupoint Bank +50.6% OV Oak View National Bank +17.0% Bo Bank of Botetourt +10.2% Bo Bank of Marion +10.0% FB Farmers Bank of Appomattox +9.6% PB Pioneer Bank +8.6% PV Powell Valley National Bank +5.8% NP New Peoples Bank Inc +5.4% SB Select Bank +5.0% CB Citizens Bank & Trust Co. +5.0% FS First Sentinel Bank +0.8% Bo Bank of Southside Virginia -11.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
New Peoples Bank IncRankCohort median
Total CRE against capital, the 300% screen200%9th of 12135%
Construction against capital, the 100% screen47%8th of 1246%
Construction and land development, share of loans7.3%5th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans17.1%11th of 1211.6%
Total CRE, the guidance definition, share of loans31.4%10th of 1224.6%
CRE growth over 36 months, the third prong+35.9%6th of 12+40.9%
Commercial real estate against capital, the 300% screenVA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 135% Bo Bank of Southside Virginia 11% FS First Sentinel Bank 37% Bo Bank of Marion 40% CB Citizens Bank & Trust Co. 69% FB Farmers Bank of Appomattox 92% OV Oak View National Bank 92% PB Pioneer Bank 178% PV Powell Valley National Bank 195% NP New Peoples Bank Inc 200% Bo Bank of Botetourt 209% TB Trupoint Bank 218% SB Select Bank 298%
CRE growth over 36 months, the guidance's third prongVA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +40.9% Bo Bank of Southside Virginia -16.1% FS First Sentinel Bank +6.9% OV Oak View National Bank +21.0% CB Citizens Bank & Trust Co. +27.4% SB Select Bank +34.8% NP New Peoples Bank Inc +35.9% Bo Bank of Botetourt +46.0% FB Farmers Bank of Appomattox +65.7% PV Powell Valley National Bank +65.9% TB Trupoint Bank +73.0% PB Pioneer Bank +113.6% Bo Bank of Marion +241.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Oak View National Bank$966M0.9%60.2%0.01%0.00%0.9%56.5%8.7%
New Peoples Bank Inc$942M1.4%61.3%0.45%0.06%1.1%88.6%10.4%
Bank of Botetourt$939M1.8%52.9%0.25%0.05%1.1%95.3%10.8%
Trupoint Bank$691M1.1%70.8%0.02%-0.11%1.2%78.6%9.3%
Bank of Southside Virginia$670M3.7%36.3%0.08%-0.01%1.4%55.0%20.9%
Bank of Marion$634M1.4%63.1%1.12%0.14%0.9%82.0%9.2%
Citizens Bank & Trust Co.$578M2.1%46.9%0.23%0.00%1.3%59.4%14.4%
Select Bank$524M1.2%55.4%1.06%0.00%0.8%102.5%8.3%
Powell Valley National Bank$516M2.2%54.1%0.21%-0.01%1.3%88.8%10.4%
First Sentinel Bank$398M0.9%69.7%0.11%0.33%1.0%97.0%10.1%
Farmers Bank of Appomattox$375M1.0%71.9%0.59%0.52%0.6%82.9%10.8%
Pioneer Bank$372M2.7%44.9%0.03%-0.04%0.8%97.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
New Peoples Bank IncCohort median
20212026Change20212026Change
Loans$592M$734M+24%$262M$400M+52%
Deposits$712M$828M+16%$410M$487M+19%
NPA / loans0.66%0.45%-0.21 pts0.51%0.22%-0.29 pts
Efficiency73.0%61.3%-11.8 pts69.9%57.8%-12.1 pts
ROA0.86%1.44%+0.58 pts0.91%1.42%+0.52 pts

This read was prepared for New Peoples Bank Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on New Peoples Bank Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $300M to $1B
Institution www.newpeoples.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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