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Old Point Financial Corp
1 W Mellen St
Phone: (757) 728-1200p:757 728-1200 HAMPTON, VA  23663  United States Ticker: OPOFOPOF
Business Summary
Old Point Financial Corporation is a holding company of the Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Wealth). The Bank serves individual and commercial customers in the Hampton Roads region of Virginia. It has over 14 branch offices, serving the Hampton Roads localities of Hampton, Newport News, Norfolk, Virginia Beach, Chesapeake, Williamsburg/James City County, York County, and Isle of Wight County. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through Old Point Mortgage. It offers insurance products through Old Point Insurance, LLC in partnership with Morgan Marrow Company. The Wealth offers a full range of services for individuals and businesses, including retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6021 National commercial banks
6029 Commercial banks, not elsewhere classified
6311 Life insurance
6331 Fire, marine, and casualty insurance
6371 Pension, health, and welfare funds
6282 Investment advice
6733 Trusts, except educational, religious, and charitable
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board, President, Chief Executive Officer Robert F.Shuford 59 1/3/2020 1/1/2003
Chief Financial Officer, Senior Vice President Cathy W.Liles 59 11/6/2024 7/26/2024
Senior Vice President, Chief Lending Officer Donald S.Buckless 59 1/1/2016 1/1/2016
8 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
OLD POINT TRUST & FINANCIAL SERVICES, N.A. 11780 JEFFERSON AVE, # D NEWPORT NEWS VA United States
Old Point Mortgage, LLC 11780 Jefferson Ave. Newport News VA United States
CITIZENS NATIONAL BANK 11407 E WINDSOR BLVD WINDSOR VA
CNB Bancorp Inc 11407 Windsor Blvd WINDSOR VA United States
OLD POINT NATIONAL BANK 1 W Mellen St Hampton Virginia United States

Business Names
Business Name
CITIZENS NATIONAL BANK
CNB Bancorp Inc.
Old Point Financial Corp.
4 additional Business Names available in full report.

General Information
Number of Employees: 291 (As of 12/31/2023)
Outstanding Shares: 5,077,695 (As of 11/7/2024)
Shareholders: 1,535
Stock Exchange: NASD
Federal Tax Id: 541265373


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Wednesday, November 20, 2024