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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 22nd largest bank in the state of Virginia. It is also the 774th largest bank in the nation. It was established in 1922 and as of March of 2019, it had grown to 254 employees at 23 locations. The Old Point National Bank of Phoebus' money market rates are 4X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #6892
Year Established1922
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD7.91%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.02B$987.5MM
LoansQ1 2019vs Q1 2018$753.4MM$723.9MM
DepositsQ1 2019vs Q1 2018$838.0MM$791.1MM
Equity CapitalQ1 2019vs Q1 2018$100.0MM$86.8MM
Loan Loss AllowanceQ1 2019vs Q1 2018$10.1MM$9.7MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$11.4MM$13.7MM
Real Estate OwnedQ1 2019vs Q1 2018$0$203.00K
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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

2.45%$10k-58 Month CD Special
2.40%$10k-42 Month CD Special
2.35%$10k-30 Month CD Special
2.30%$10k-16 Month CD Special
1.50%$10k-7 Month CD Special


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