New Peoples Bankshares, Inc. · OTC:NWPP
New Peoples Bankshares — Shareholder Meeting (May 2026)
17 slides from New Peoples Bankshares's shareholder meeting presentation, May 26, 2026
Slide 1: 2026 Shareholder Meeting
2026 Shareholder Meeting New Peoples —— BANK ——
Slide 2: Cautionary Statement Regarding Forward-Looking Statements
Cautionary Statement Regarding Forward - Looking Statements This presentation includes forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize or
Slide 3: Accomplishments in 2025
Accomplishments In 2025 NET INCOME TOTAL ASSETS Highest net income in $200 Crossed over $g00MM the company’s history - M M in total assets for the 23% increase first time in company history PAID INCREASED DIVIDEND LOANS Paid fifth consecutive dividend and highest in company history- $0.09- 12.5% inc
Slide 4: Total Assets
TOTAL ASSETS > Total Assets ° In millions 800 GREW ASSETS 6.41% IN 2025 ue 600 S00 400 300 200 100 ° ( yy 2021 2022 2023 2024 2025 2026 (Ist quarter)
Slide 5: Loans
LOANS > Total Loans veo In millions GREW LOANS 7.91% IN 2025 os 400 300 200 100 fo} 2021 2022 2023 2024 2025 2026 (Ist quarter)
Slide 6: Deposits
DEPOSITS CC Pe Deposits * GREW DEPOSITS 6.44% IN 2025 £99 = = 700 | | 600 l 2021 2022 2023 2024 2025 2026 (Ist quarter)
Slide 7: Key Performance Ratios
Key Performance Ratios Net Income (in thousands) ROA (Annualized) ROE (Annualized) fhe Efficiency Ratio 75.56% NP New Peoples —— BANK — 1st QTR 2026 $10,098 13.89% 12.00% 14.69% 70.64% Uh: 72.40% 67.61% 63.17%
Slide 8: Non-Performing Assets
Non-Performing Assets BANK
Slide 9: Capital Ratios
Capital Ratios Capital Ratios 12.00% We 10.00% Remain we Well con Capitalized os 2.00% 0.00% 2021 2022 2023 2024 2025, 2026 Q1 Tier 1Leverage = =Well Capitalized
Slide 10: Stock Price, Book Value, & Dividend
Stock Price, Book Value, & Dividend
Slide 11: 2026 Initiatives
2026 Initiatives NP New Peoples —— BANK -— Increase Overall Profitability Grow the Bank Pursue Digital and Technological Enhancements Enhance Cybersecurity and Fraud Prevention Strengthen the Small Business Program Build a Dynamic Organizational Culture Effectively Manage Risk
Slide 12: Current Challenges in Banking
C urre nt The banking industry continues to navigate a rapidly C ‘al | | le n g es j n evolving landscape shaped by economic pressures, Banking emerging risks, and shifting competitive forces.
Slide 13: Wytheville: New Loan Production Office
Vv Wytheville: New Loan Production Office Chelsi Pack - Jim Grubbs - vp, Commercial Banking Market President Assistant =@
Slide 14: Jack Henry Core Conversion
Jack Henry Core Conversion] & & Our transition to the Jack Henry core platform modernizes the systems that run the bank and provides the foundation for a significantly improved online and mobile banking experience Hi, Michael. Accounts New Checking Peoples Enter p: eo 2 Transactions YOUR TOWN CINEMA
Slide 15: Stock Repurchase Program
G S t O C k Contact _ M interested. please contact Brayden Cline, Repurchase Program market purchases or in privately negotiated transactions. eke Repurchases may be made through open WY: Repurchase AUTHORIZATION The Board of Directors has given authorization to extend the share repurchase program w
Slide 16: Employee Appreciation Day
ve > Employee Appreciation Day Dollywood - August 30, 2025 and enjoy time together outside the office.
Slide 17: New Peoples Bank
New Peoples —— BANK ——
New Peoples Bankshares — Shareholder Meeting (May 2026) on 6ix