<div><div></div><div>New Peoples Bankshares reported stronger 2025 results, driven by higher interest income of $48.587 million and a 16% increase in net interest income to $33.156 million, supporting improved profitability. GAAP net income was $10.098 million (adjusted non‑GAAP $10.319 million), with basic and diluted earnings per share of $0.43 (adjusted $0.44). The bank also recorded a 37 basis‑point expansion in net interest margin to 3.84%, reflecting loan yield improvement and loan growth. Financial Highlights <ul><li>Total interest and dividend income: $48.587 million (driven by loan interest of $42.844 million)</li><li>Net interest income: $33.156 million, up $4.635 million year‑over‑year; Net interest margin 3.84% (2025) vs 3.47% (2024)</li><li>Net income (GAAP): $10.098 million; Adjusted (non‑GAAP) $10.319 million</li><li>Net income per share (basic and diluted): $0.43; Adjusted (non‑GAAP) $0.44 per share</li><li>Noninterest expense: $29.115 million; efficiency ratio 67.61% (66.94% adjusted)</li></ul> Business Highlights <ul><li>Revenue drivers and margin expansion: Deposit and loan growth combined with a 37 basis‑point NIM improvement supported operating income growth.</li><li>Deposits: Total deposits grew 6.4% with notable inflows into money market and time deposit categories while core deposits were maintained.</li><li>Market expansion: Opened a loan production office in Wytheville, VA to support commercial and consumer lending growth.</li><li>Operational systems: Completed a core banking system conversion in Q4 2025 with limited post‑conversion disruptions.</li><li>Credit and risk management: Asset quality remained stable; the CECL‑based allowance for credit losses was approximately 1.14% of loans and nonperforming assets were reduced.</li></ul>Original SEC Filing: NEW PEOPLES BANKSHARES INC [ NWPP ] - 10-K - Mar. 31, 2026<section>Disclaimer<div>This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.</div></section></div></div>

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New Peoples Bankshares reported a strong performance for 2025, with interest income of $48.59 million and a net income of $10.1 million. The bank's earnings per share were $0.43, with a 16% increase in net interest income to $33.16 million. The net interest margin expanded to 3.84%, supported by loan growth. Total deposits grew by 6.4%, and the bank opened a new loan production office in Wytheville, VA. Overall, the bank's operational efficiency improved, and asset quality remained stable.

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New Peoples Bankshares 10-K: $48.59M interest income, $0.43 EPS