Old Point Financial Balance Sheet Health
Financial Health criteria checks 6/6
Old Point Financial has total assets of $1.4B and total equity of $106.8M. Total deposits are $1.2B, and total loans are $1.1B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $78.8M.
Key information
13.5x
Asset to equity ratio
3.6%
Net interest margin
Total deposits | US$1.23b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$78.76m |
Recent financial health updates
No updates
Recent updates
Old Point Financial (NASDAQ:OPOF) Is Paying Out A Dividend Of $0.14
Feb 25Here's Why We Think Old Point Financial (NASDAQ:OPOF) Is Well Worth Watching
Jul 24Old Point Financial (NASDAQ:OPOF) Is Due To Pay A Dividend Of $0.13
Nov 22Do Old Point Financial's (NASDAQ:OPOF) Earnings Warrant Your Attention?
Sep 17Old Point Financial declares $0.13 dividend
Aug 17Old Point Financial GAAP EPS of $0.37, revenue of $13.82M
Jul 26Old Point Financial (NASDAQ:OPOF) Will Pay A Larger Dividend Than Last Year At US$0.13
Nov 20Old Point Financial (NASDAQ:OPOF) Is Increasing Its Dividend To US$0.13
Aug 21Old Point Financial Corporation's (NASDAQ:OPOF) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?
May 05Old Point Financial reports Q1 results
Apr 27Reflecting on Old Point Financial's (NASDAQ:OPOF) Share Price Returns Over The Last Three Years
Jan 06Why You Might Be Interested In Old Point Financial Corporation (NASDAQ:OPOF) For Its Upcoming Dividend
Nov 26Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OPOF's Assets to Equity ratio (13.5x) is moderate.
Allowance for Bad Loans: OPOF has a sufficient allowance for bad loans (620%).
Low Risk Liabilities: 92% of OPOF's liabilities are made up of primarily low risk sources of funding.
Loan Level: OPOF has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: OPOF's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: OPOF has an appropriate level of bad loans (0.2%).