Old Point Financial Corporation operates as the bank holding company for The Old Point National Bank that provides consumer, mortgage and business banking services for individual, retail and commercial customers. The Company offers deposit products, including interest-bearing transaction accounts, money market deposit accounts, savings accounts, time deposits and demand deposits. It also provides real estate construction and real estate mortgage loans, such as residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit, and other loans, as well as cash management services.