This institution is no longer active

Operations ceased on September 1, 2025. CRA examination history below reflects the period it was active.

THE OLD POINT NATIONAL BANK OF PHOEBUS

HAMPTON, VA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1922FDIC #6,892

Outstanding Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Is this bank safe?

THE OLD POINT NATIONAL BANK OF PHOEBUS earned an Outstanding CRA rating (2022).

Institution Profile

FDIC BankFind

Address

1 W Mellen St, HAMPTON, VA

County

Hampton City County

Established

November 4, 1922

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 22, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Aug 2026(based on asset size)

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.2B

1-Year Change

-1

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	109	73.39%	8.26%
2023	425	75.29%	9.41%
2022	595	75.29%	9.08%
2021	470	74.89%	7.45%
2020	480	81.25%	6.25%
2019	160	76.88%	9.38%
2018	179	72.63%	12.29%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 2022	Outstanding	Intermediate Small Bank
Jul 2019	Outstanding	Intermediate Small Bank
Apr 2016	Outstanding	Intermediate Small Bank

8 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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