Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits, and demand deposits. It also provides loans, such as real estate construction, commercial, and mortgage loans that include residential 1-4 family mortgages, second mortgages, and equity lines of credit; and other loans that are secured by collateral, such as inventory, accounts receivable, equipment, or other personal property. In addition, the company offers insurance products; retirement, estate, and financial planning services; estate and trust administration; retirement plan administration; tax and investment management services; insurance products; wealth management; and cash management services. It serves businesses, individuals, and commercial customers. Old Point Financial Corporation was founded in 1922 and is headquartered in Hampton, Virginia.