Old Point Financial Corporation is a holding company that conducts its operations through two subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services, N.A. (Trust). The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2013, the Bank had 18 branch offices. The Bank offers a range of deposit and loan products to its retail and commercial customers. Trust offers a range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services.