The Old Point National Bank of Phoebus

Overview / Commentary
1 West Mellen Street
Hampton, VA 23663

The Old Point National Bank of Phoebus is headquartered in Hampton and is the 23rd largest bank in the state of Virginia. It is also the 759th largest bank in the nation. It was established in 1922 and as of December of 2018, it had grown to 260 employees at 23 locations. The Old Point National Bank of Phoebus' money market rates are 4X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #6892
Year Established1922
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.54%
Return on Equity - YTD5.96%
Annual Interest Income$38.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$1.03B$976.7MM
LoansQ4 2018vs Q4 2017$764.4MM$729.9MM
DepositsQ4 2018vs Q4 2017$844.9MM$786.5MM
Equity CapitalQ4 2018vs Q4 2017$97.1MM$87.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$10.1MM$9.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$12.9MM$12.7MM
Real Estate OwnedQ4 2018vs Q4 2017$83.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Old Point National Bank of Phoebus Money Market Rates

1.91%*$1m*-Money Market Special - First 6 Months
OTHER TIERS: 1.80% $50k - $500k | 1.86% $500k - $1m

The Old Point National Bank of Phoebus CD Rates

3.00%$10k-58 Month CD Special
2.85%$10k-30 Month CD Special
2.20%$10k-16 Month CD Special


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