Old Point Trust & Financial Services, N.A.

Newport News, VA

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
Rating	U
Asset Quality Index	--
Capitalization Index	--
Liquidity Index	--
Profitability Index	--
Stability Index	--

Company Info	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	35248
Phone Number	(757) 599-2200
Website	oldpoint.com

Asset Quality	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	9.20%
5-Year Asset Growth	1.26%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	--
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
Total Assets	7.39M
Total Deposits	0.00

Capital and Reserves	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
Capital	6.84M
Leverage Ratio	--
Loan Loss Reserves to Loans	--
Risk-Based Capital Ratio	--

Liquidity	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	--

Profitability	Old Point Trust & Financial Services, N.A. Newport News, VA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	7.05%
Net Income	665.00K
Net Interest Spread	3.33%
Operating Profit to Average Assets	12.22%
Overhead Efficiency Ratio	86.63%
Return on Assets	9.63%
Return on Equity	10.23%