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Old Point National Bank of Phoebus, The

Hampton, VA · Cert 6892

FDIC · 14 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=276 to 281). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

56

Q2 2024Q2 2025peer median (50)

Asset Quality

57

Q2 2024Q2 2025peer median (50)

Profitability

33

Q2 2024Q2 2025peer median (50)

Liquidity

82

Q2 2024Q2 2025peer median

Efficiency

13

Q2 2024Q2 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Old Point National Bank of Phoebus, The

Hampton, VA · Cert 6892

FDIC · 14 branches

Q2 2025

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$138.7MEquity
Loan mix
71%RE $505.6M8%C&I $53.7M21%Consumer $149.8MQ2 2024Q2 2025
Deposit mix
72%Interest-bearing $866.1M28%Noninterest $343.7MQ2 2024Q2 2025

NIM

4.39%Q2 ’234.87%Q2 ’244.85%Q2 ’25-6%+4%

Non-interest income vs. expense

3.06%Q2 ’233.02%Q2 ’242.95%Q2 ’25+1%0%

Market Position · Virginia Beach-Chesapeake-Norfolk, VA-NC · 2025 SOD (annual) · 4.0% share · #6 of 21 inst. · $1.2B of $30.0B

40.6% Hampton (City)
6.4% Newport News (City)
10.0% York
4.2% James (City)

Executive Summary

  • Earnings: ROA of 0.65%, down 4 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.10% of loans (+5 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 10.57%, up 71 bps from a year ago.
  • Funding: loans stand at 83.17% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.65%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+12 bps YoY

Efficiency Ratio (YTD, annualized)

75.27%-281 bps YoY

Tier 1 Leverage Ratio

10.57%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.68%0.71%0.75%0.60%0.65%-4 bps
Return on Equity7.74%7.91%8.27%6.35%6.74%-100 bps
Net Interest Margin3.33%3.32%3.32%3.41%3.45%+12 bps
Efficiency Ratio78.08%76.57%76.02%74.80%75.27%-281 bps
Non-Interest Burden2.48%2.41%2.39%2.43%2.48%0 bps
Growth
Asset Growth (YoY)-1.44%2.05%0.45%0.55%-1.33%+11 bps
Loan Growth (YoY)-3.74%-5.29%-6.53%-5.15%-4.58%-84 bps
Deposit Growth (YoY)0.57%3.37%2.08%2.24%-2.45%-302 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.10%0.10%0.19%0.10%+5 bps
Net Charge-Offs / Loans0.12%0.15%0.15%0.14%0.14%+1 bps
Allowance / Loans1.12%1.14%1.13%1.17%1.19%+7 bps
Allowance Coverage of NPLs22.6x11.7x11.5x6.0x12.2x-10.4x
Capital
Tier 1 Leverage Ratio9.87%9.99%10.06%10.45%10.57%+71 bps
Total Risk-Based Capital13.12%13.80%13.98%14.08%14.36%+124 bps
Equity / Assets9.08%9.29%9.31%9.50%9.94%+86 bps
Liquidity & Funding
Loans / Deposits85.03%79.91%80.15%80.43%83.17%-186 bps
Liquid Assets / Assets5.42%10.60%8.47%8.30%5.87%+45 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Old Point National Bank of Phoebus, The

Hampton, VA · Cert 6892 · Peer group: banks $1B-$10B in assets (n=276-281)

FDIC · 14 branches

Q2 2025

$1.4BAssets
$1.0BLoans
$1.2BDeposits
$138.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets (rank 42 of 276).
  • Widest gap: efficiency ratio trails 87% of banks $1B-$10B in assets (rank 246 of 281).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.66%

Rank 232 of 281

Net Interest Margin

3.45%

Rank 101 of 281

Efficiency Ratio

75.35%

Rank 246 of 281

Equity / Assets

9.94%

Rank 143 of 281

Non-interest income vs. expense

$6.8M$42.3MINCOMEEXPENSE
Unfavorable gap of $35.5M · efficiency ratio beats 13% of banks $1B-$10B in assets
Bank 75.35%Peer median 61.7%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.66%0.77%1.02%1.33%Beats 17%232 / 281
Return on Equity6.65%7.72%10.62%12.88%Beats 17%232 / 281
Net Interest Margin3.45%2.81%3.17%3.70%Beats 64%101 / 281
Efficiency Ratio75.35%55.15%61.68%69.37%Beats 13%246 / 281
Asset Quality
Nonperforming Loans / Loans0.10%0.19%0.46%0.92%Beats 85%42 / 276
Net Charge-Offs / Loans0.08%0.01%0.03%0.10%Beats 28%200 / 276
Capital
Tier 1 Capital Ratio13.29%11.36%12.79%14.74%Beats 58%117 / 281
Total Risk-Based Capital Ratio14.36%12.23%13.67%15.73%Beats 61%110 / 281
Equity / Assets9.94%8.81%10.01%11.54%Beats 49%143 / 281
Liquidity & Funding
Loans / Deposits83.17%77.25%87.32%94.80%38th pctl171 / 276
Loans / Assets72.12%65.89%74.03%78.80%43rd pctl158 / 276
Brokered Deposits / Depositsn/aNot reported for this institution