How Big Is Old Point Trust&Finl Service?
Old Point Trust&Finl Service holds $7M in total assets and $0 in deposits, making it a small bank by U.S. standards. By total assets it is the 3,952nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Old Point Trust&Finl Service's latest FDIC call report (cert #35248); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is Old Point Trust&Finl Service?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Old Point Trust&Finl Service Size at a Glance
- Total assets
- $7M
- Total deposits
- $0
- Domestic deposits
- $0
- Size class
- small bank
- Rank by assets
- #3,952 of 3,960
- Headquarters
- Newport News, Virginia
Source: FDIC Call Report data (cert #35248). Figures reflect the latest reported quarter.
With $7M in total assets, Old Point Trust&Finl Service is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,952nd-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $0 in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 88.48% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 93.42% | 100/100 |
| Return on Assets | 7.87% | 100/100 |
| Total Assets | $0.0B | |
How does Old Point Trust&Finl Service compare?
With a Bank Health Score of 100/100, Old Point Trust&Finl Service sits 20.0 points above the national average of 80/100 for FDIC-insured banks. Within Virginia, where 49 FDIC-insured banks are headquartered, Old Point Trust&Finl Service ranks above the state average of 79/100 (Grade B).
The bank's Tier 1 capital ratio of 88.48% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Old Point Trust&Finl Service's Bank Health Score improved by 10.0 points to 100/100. Tier 1 capital strengthened by 3.76 percentage points to 88.48%.
Frequently Asked Questions
Old Point Trust&Finl Service holds $7M in total assets and $0 in deposits, making it a small bank by U.S. standards. By total assets it is the 3,952nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Old Point Trust&Finl Service's latest FDIC call report (cert #35248); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
Old Point Trust&Finl Service ranks 3,952nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $7M in assets classify it as a small bank.
Old Point Trust&Finl Service reports $7M in total assets and $0 in total deposits ($0 of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Old Point Trust&Finl Service earns a Bank Health Score of 100/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $7M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Old Point Trust&Finl Service (FDIC certificate #35248) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Old Point Trust&Finl Service
Old Point Trust&Finl Service holds $7M in total assets and $0 in deposits, making it a small bank by U.S. standards. By total assets it is the 3,952nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Old Point Trust&Finl Service's latest FDIC call report (cert #35248); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.