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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 : |
2025-03-31 |
| Hampton, Virginia, 23663 |
Updated : |
2025-04-30 |
| 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 : |
237 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,444,253 |
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Total Interest Income | 17,256 |
| Total Liabilities | 1,307,026 |
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Total NonInterest Income | 1,803 |
| Total Bank Equity Capital | 137,227 |
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Total Interest Expense | 4,993 |
| Total Deposits | 1,259,399 |
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Total NonInterest Expense | 10,533 |
| Net Loans & Leases | 1,001,009 |
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Net Income | 2,157 |
| Loan Loss Allowance | 11,821 |
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Net Charge Offs | 351 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 162,136 |
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Total loans | 1,010,599 |
| Total assets for the leverage ratio | 1,437,121 |
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Loans secured by real estate: | 807,224 |
| Tier 1 Leverage Ratio | 10.45 |
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Commercial and industrial loans | 54,684 |
| Tier 1 Capital Ratio | 13.04 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.08 |
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Loans to individuals - Other | 146,206 |
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:· The Old Point National Bank of Phoebus
