Old Point Financial Corp. is the bank holding company for The Old Point National Bank of Phoebus (the Bank). The Company also offers trust services through its wholly owned subsidiary, Old Point Trust and Financial Services, N.A. (Trust). The Company does not engage in any activities other than acting as a holding company for the common stock of the Bank and Trust. The Bank is a national banking association that provides a full range of banking and related financial services, including checking, savings, certificates of deposit (CDs) and other depository services, commercial, industrial, residential real estate and consumer loan services and safekeeping services.