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
Unfavorable gap of $35.5M · efficiency ratio beats 13% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.77% | 1.02% | 1.33% | Beats 17% | 232 / 281 | |
| Return on Equity | 6.65% | 7.72% | 10.62% | 12.88% | Beats 17% | 232 / 281 | |
| Net Interest Margin | 3.45% | 2.81% | 3.17% | 3.70% | Beats 64% | 101 / 281 | |
| Efficiency Ratio | 75.35% | 55.15% | 61.68% | 69.37% | Beats 13% | 246 / 281 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.19% | 0.46% | 0.92% | Beats 85% | 42 / 276 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 28% | 200 / 276 | |
| Capital |
| Tier 1 Capital Ratio | 13.29% | 11.36% | 12.79% | 14.74% | Beats 58% | 117 / 281 | |
| Total Risk-Based Capital Ratio | 14.36% | 12.23% | 13.67% | 15.73% | Beats 61% | 110 / 281 | |
| Equity / Assets | 9.94% | 8.81% | 10.01% | 11.54% | Beats 49% | 143 / 281 | |
| Liquidity & Funding |
| Loans / Deposits | 83.17% | 77.25% | 87.32% | 94.80% | 38th pctl | 171 / 276 | |
| Loans / Assets | 72.12% | 65.89% | 74.03% | 78.80% | 43rd pctl | 158 / 276 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |