Old Point Financial Corporation is a holding company that conducts all of its operations through two subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (the Trust). The Bank is an independent community bank and the Trust is a nationally chartered trust company. The Bank serves individual and commercial customers. As of December 31, 2014, the Bank had approximately 18 branch offices. The Bank offers a line of consumer, mortgage and business banking services, including loan, deposit, and cash management services to individual and business customers. Trust offers a range of services for individuals and businesses. The products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services.