Old Point Financial Corporation is a holding company of Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services (the Wealth). The Company operates through six segments: Commercial and industrial, Real estate-construction, Real estate-mortgage, Real estate-commercial, Consumer loans and Other loans. The Bank serves individual and commercial customers, which serves the Hampton Roads and Richmond regions of Virginia, as well as operates a mortgage loan production office in Charlotte, North Carolina. The Bank offers a complete line of consumer, mortgage and business banking services, including loan, deposit, and cash management services to individual and commercial customers. Old Point Trust & Financial Services is the wealth management services provider in Hampton Roads, Virginia, offering local asset management by experienced professionals.