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 The Old Point National Bank of Phoebus
The Old Point National Bank of Phoebus
| RSSD ID 186221 | CERTIFICATE 6892 | ABA NUMBER 51406543 |
| 1 W Mellen St |
Quarter Ended : |
2025-06-30 |
| Hampton, Virginia, 23663 |
Updated : |
2025-07-30 |
| www.oldpoint.com |
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| Institution Profile |
| Year Opened : |
1922 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
14 |
Number of Employees : |
217 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,395,312 |
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Total Interest Income | 34,781 |
| Total Liabilities | 1,256,588 |
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Total NonInterest Income | 3,394 |
| Total Bank Equity Capital | 138,724 |
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Total Interest Expense | 10,087 |
| Total Deposits | 1,209,873 |
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Total NonInterest Expense | 21,163 |
| Net Loans & Leases | 994,334 |
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Net Income | 4,610 |
| Loan Loss Allowance | 11,941 |
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Net Charge Offs | 681 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 163,490 |
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Total loans | 1,014,872 |
| Total assets for the leverage ratio | 1,431,449 |
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Loans secured by real estate: | 805,925 |
| Tier 1 Leverage Ratio | 10.57 |
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Commercial and industrial loans | 54,323 |
| Tier 1 Capital Ratio | 13.29 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.36 |
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Loans to individuals - Other | 151,424 |
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:· The Old Point National Bank of Phoebus
