OLD POINT NB OF PHOEBUS
HAMPTON, VIRGINIA · FDIC Cert #6892
Capital & Safety Analysis
According to FDIC financial data, OLD POINT NB OF PHOEBUS holds a Tier 1 capital ratio of 12.10%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning OLD POINT NB OF PHOEBUS has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
OLD POINT NB OF PHOEBUS shows strong financial health indicators. With $1.4B in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
OLD POINT NB OF PHOEBUS has a Bank Health Score of B (77/100). It holds a Tier 1 capital ratio of 12.10%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
OLD POINT NB OF PHOEBUS holds $1.4B in total assets and $1.2B in total deposits. It is located in HAMPTON, VIRGINIA (FDIC Certificate #6892).
OLD POINT NB OF PHOEBUS has a Tier 1 capital ratio of 12.10%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.05%, and the return on assets is 0.81%.
Yes. OLD POINT NB OF PHOEBUS is FDIC-insured (Certificate #6892). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.