Old Point Financial is a community bank holding company based in Hampton Roads, Virginia. Its core business is traditional banking through its subsidiary, Old Point National Bank, which offers consumer and business banking — including loans, deposits, and cash management services — to individuals and small-to-medium-sized businesses across 13 branch offices in the Hampton Roads area. The Bank also originates mortgage loans. Old Point Financial also operates Old Point Trust & Financial Services, a wealth management subsidiary that provides trust, investment management, and financial planning services, generating fee income based on assets under management. Old Point Financial earns revenue primarily through the traditional community bank model: taking in deposits and lending them out at higher rates, with net interest income as the primary driver. Profitability depends on loan volume and mix, net interest margin, and credit quality. Wealth provides a more stable, rate-independent revenue stream. Old Point Financial focuses on the Hampton Roads MSA in southeastern Virginia, and has recently expanded by opening a commercial loan production office in Richmond.