Old Point Trust&Finl Service vs Farmers&Merchants Bk Craig C
Side-by-side bank health comparison using FDIC financial data
Old Point Trust&Finl Service (A) and Farmers&Merchants Bk Craig C (A) are close on the BankHealth rubric. Asset bases: $7M versus $89M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Old Point Trust&Finl Service has a stronger Bank Health Score of 100/100 (A) compared to Farmers&Merchants Bk Craig C at 96/100 (A), a difference of 4 points. Old Point Trust&Finl Service holds a Tier 1 capital ratio of 88.5% and an NPL ratio of 0.00%.
| Metric | Old Point Trust&Finl Service | Farmers&Merchants Bk Craig C |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 88.5%* | 16.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 93.4%* | 42.3% |
| Return on Assets Profitability metric (above 1% is strong) | 7.9%* | 1.2% |
| Total Assets | $7M | $89M |
| Total Deposits | $0 | $74M |
| Location | Newport News, Virginia | New Castle, Virginia |
Old Point Trust&Finl Service has a stronger Bank Health Score of 100/100 (A) compared to Farmers&Merchants Bk Craig C at 96/100 (A), a difference of 4 points. Old Point Trust&Finl Service holds a Tier 1 capital ratio of 88.5% and an NPL ratio of 0.00%.