---
title: "New Peoples Bankshares 10-K: $48.59M interest income, $0.43 EPS"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/281225453.md"
description: "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."
datetime: "2026-03-31T17:35:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/281225453.md)
  - [en](https://longbridge.com/en/news/281225453.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/281225453.md)
generator: "portal-rs"
---

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

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**

-   **Total interest and dividend income:** $48.587 million (driven by loan interest of $42.844 million)
-   **Net interest income:** $33.156 million, up $4.635 million year‑over‑year; Net interest margin 3.84% (2025) vs 3.47% (2024)
-   **Net income (GAAP):** $10.098 million; *Adjusted (non‑GAAP)* $10.319 million
-   **Net income per share (basic and diluted):** $0.43; *Adjusted (non‑GAAP)* $0.44 per share
-   **Noninterest expense:** $29.115 million; efficiency ratio 67.61% (66.94% adjusted)

**Business Highlights**

-   **Revenue drivers and margin expansion:** Deposit and loan growth combined with a 37 basis‑point NIM improvement supported operating income growth.
-   **Deposits:** Total deposits grew 6.4% with notable inflows into money market and time deposit categories while core deposits were maintained.
-   **Market expansion:** Opened a loan production office in Wytheville, VA to support commercial and consumer lending growth.
-   **Operational systems:** Completed a core banking system conversion in Q4 2025 with limited post‑conversion disruptions.
-   **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.

Original SEC Filing: NEW PEOPLES BANKSHARES INC \[ NWPP \] - 10-K - Mar. 31, 2026

**Disclaimer**

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.

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**