BlastPoint's Banking Scorecard
New Peoples Bank, Inc.
Community
Specialty: Commercial
VA
FDIC cert 34890
Honaker, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
New Peoples Bank, Inc. faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 23% in Community
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$910.2M
+6.4% YoY
-0.1% QoQ
|
-$481.3M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$701.5M
+7.9% YoY
+0.3% QoQ
|
-$274.0M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$799.5M
+6.0% YoY
-0.1% QoQ
|
-$365.2M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.22%
+12.4% YoY
+4.2% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.04%
+8.7% YoY
+0.8% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
65.99%
-5.7% YoY
-1.6% QoQ
|
+3.36% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.54%
+6.4% YoY
+20.7% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
87.75%
+1.8% YoY
+0.4% QoQ
|
+4.68% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
19.73%
-27.6% YoY
-25.8% QoQ
|
-1.32% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.42%
+7.6% YoY
+20.6% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
15.63%
+4.7% YoY
+5.6% QoQ
|
+5.39% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
1.11%
-17.2% YoY
+35.3% QoQ
|
+0.37% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#21 of 89 · Bottom 23% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
19.73%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Credit Risk Growth
risk
#197 of 642 · Bottom 31% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 10.24%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
49
49th pctile
Total Loans
Current: $701.5M · Tier avg: $975.5M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.73% · Tier avg: 21.05%
47
47th pctile
Total Deposits
Current: $799.5M · Tier avg: $1.2B
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
44
44th pctile
Total Assets
Current: $910.2M · Tier avg: $1.4B
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.75% · Tier avg: 83.06%
38
38th pctile
Efficiency Ratio
Current: 65.99% · Tier avg: 62.63%
Top Weaknesses
38
38th pctile
Efficiency Ratio
Current: 65.99% · Tier avg: 62.63%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.75% · Tier avg: 83.06%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
44
44th pctile
Total Assets
Current: $910.2M · Tier avg: $1.4B
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
47
47th pctile
Total Deposits
Current: $799.5M · Tier avg: $1.2B
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.73% · Tier avg: 21.05%
49
49th pctile
Total Loans
Current: $701.5M · Tier avg: $975.5M
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.63% · Tier avg: 10.24%
88
88th pctile
Non-Interest Income / Assets
Current: 1.11% · Tier avg: 0.74%