Old Point Financial Corporation
Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank of Phoebus that provides consumer, mortgage, and business banking services in Virginia, the United States. It operates through Bank, Wealth, and Parent segments. The company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, t… Read more
Old Point Financial Corporation - Asset Resilience Ratio
Old Point Financial Corporation (OPOF) has an Asset Resilience Ratio of 15.29% as of June 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Old Point Financial Corporation's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Old Point Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $214.38 Million | 15.29% |
| Total Liquid Assets | $214.38 Million | 15.29% |
Asset Resilience Insights
- Good Liquidity Position: Old Point Financial Corporation maintains a healthy 15.29% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Old Point Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Old Point Financial Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Old Point Financial Corporation (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Old Point Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 15.08% | $218.79 Million | $1.45 Billion | +1.10pp |
| 2023-12-31 | 13.98% | $202.23 Million | $1.45 Billion | -2.66pp |
| 2022-12-31 | 16.64% | $225.52 Million | $1.36 Billion | -0.88pp |
| 2021-12-31 | 17.51% | $234.32 Million | $1.34 Billion | +2.31pp |
| 2020-12-31 | 15.20% | $186.41 Million | $1.23 Billion | +1.38pp |
| 2019-12-31 | 13.82% | $145.72 Million | $1.05 Billion | -0.46pp |
| 2018-12-31 | 14.28% | $148.25 Million | $1.04 Billion | -1.72pp |
| 2017-12-31 | 15.99% | $157.12 Million | $982.34 Million | -6.09pp |
| 2016-12-31 | 22.08% | $199.37 Million | $902.84 Million | -1.80pp |
| 2015-12-31 | 23.88% | $214.19 Million | $896.79 Million | +7.98pp |
| 2014-12-31 | 15.90% | $139.35 Million | $876.28 Million | -2.11pp |
| 2013-12-31 | 18.01% | $155.64 Million | $864.29 Million | -18.30pp |
| 2012-12-31 | 36.30% | $329.46 Million | $907.50 Million | +8.45pp |
| 2011-12-31 | 27.85% | $236.60 Million | $849.50 Million | +26.40pp |
| 2010-12-31 | 1.45% | $12.83 Million | $886.84 Million | -2.29pp |
| 2009-12-31 | 3.73% | $34.41 Million | $921.42 Million | +3.72pp |
| 2008-12-31 | 0.01% | $100.00K | $834.97 Million | -0.12pp |
| 2007-12-31 | 0.13% | $1.10 Million | $822.56 Million | -21.67pp |
| 2006-12-31 | 21.81% | $184.81 Million | $847.52 Million | -4.27pp |
| 2005-12-31 | 26.07% | $192.94 Million | $739.99 Million | -3.27pp |
| 2004-12-31 | 29.34% | $201.38 Million | $686.27 Million | +27.03pp |
| 2003-12-31 | 2.32% | $14.97 Million | $645.91 Million | +0.81pp |
| 2002-12-31 | 1.51% | $8.71 Million | $576.62 Million | +0.54pp |
| 2001-12-31 | 0.97% | $5.02 Million | $518.76 Million | -0.16pp |
| 2000-12-31 | 1.13% | $5.40 Million | $477.10 Million | -- |