The Old Point National Bank of Phoebus
Hampton, VA
IDRSSD: 186221
Total Assets
$1.40B
Latest filing
Total Deposits
$1.21B
Latest filing
Net Interest Margin
3.79%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/04/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 23663 |
| State and County Number | 51650 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Virginia Beach-Norfolk-Newport News, VA-NC |
Operational Info
| Number of Employees | 217 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 6892 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.40B |
| Total Deposits | $1.21B |
| Total Liabilities | $1.26B |
| Total Equity Capital | $138.72M |
| Net Income | $2.45M |
| Net Loans and Leases | $994.33M |
| Assets Per Employee ($Millions) | $6.43M |
| Bank Premises and Fixed Assets | $28.54M |
| Cash and Balances due from Depository Institutions | $97.54M |
| Deposits Held in Domestic Offices | $1.21B |
Key Performance Ratios
| Return on Assets (ROA) | 0.69% |
| Return on Equity (ROE) | 7.11% |
| Net Interest Margin | 3.79% |
| Efficiency Ratio | 75.73% |
| Tier 1 Risk-Based Capital Ratio | 13.293% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.942% |
| Earning Assets to total Assets | 92.34% |
Income and Expense
| Total Interest Income | $17.52M |
| Total Noninterest Income | $1.59M |
| Total Interest Expense | $5.09M |
| Total Noninterest Expense | $10.63M |
| Net Interest Income | $12.43M |
| Pre-tax Net Operating Income | $2.92M |
| Provision for Credit Losses | $469.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $344.00k |
| Other borrowed funds | $40.05M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.22M |
| Federal Funds Purchased and Repurchased Agreement | $1.32M |
| All Other Liabilities | $4.34M |
| Total Liabilities and Capital | $1.40B |
Securities
| Securities | $209.97M |
| Available-for-sale debt securities | $209.97M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.00M |
| Trading Liabilities | $1.00M |
Frequently Asked Questions
What are the total assets of The Old Point National Bank of Phoebus?
$1.40B as of the latest filing.
How much are The Old Point National Bank of Phoebus's total deposits?
$1.21B in total deposits.
Where is The Old Point National Bank of Phoebus located?
Hampton, VA.
What is the Net Interest Margin?
3.79%.
How many domestic offices does it operate?
14.
When was it established?
11/04/1922.
What is the Return on Assets (ROA)?
0.69%.
How much are total loans and leases?
$994.33M (latest filing).
What is the total interest income (latest filing)?
$17.52M.