Old Point Q2 net income falls 51% YoY to $1.2M; NIM improves

OLD POINT FINANCIAL CORP

2025-Q2 EPS reported $0.67 revenue$41,973,000

Diluted EPS $0.24 vs $0.50 in Q2 2024; adjusted EPS $0.43 (non-GAAP).
Net interest margin improved to 3.70% from 3.62% a year ago; net interest income $12.2M.
Non-performing assets fell 19.7% sequentially to $3.3M, 0.24% of assets.
Total assets $1.4B, down 3.3% from Dec 2024; deposits down 3.7%.
Pending merger with TowneBank awaits regulatory approvals.

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