OP Bancorp (NASDAQ:OPBK) is the bank holding company for Old Point National Bank, a community-focused financial institution headquartered in Suffolk, Virginia. Through its subsidiary, the company offers a broad range of commercial and consumer banking services designed to meet the needs of businesses, professionals and individuals across the Hampton Roads and Virginia Peninsula regions. Core services include business lending, real estate financing, deposit accounts, cash management solutions and treasury services.
The company’s lending portfolio spans commercial real estate loans, construction and land development financing, equipment loans and lines of credit tailored for small and medium-sized enterprises. On the consumer side, Old Point provides residential mortgage loans, home equity lines of credit and unsecured consumer loans. Deposit products encompass interest-bearing checking and savings accounts, certificates of deposit, money market accounts and a suite of digital banking tools that enable customers to manage their finances online and via mobile devices.
In addition to traditional banking, OP Bancorp offers wealth management, trust services and insurance solutions through dedicated advisory teams. These services include investment management, retirement planning, fiduciary trust administration and insurance products for both personal and business clients. By combining local decision-making with personalized service, the company aims to foster long-term relationships and support economic growth in its core markets.
Founded through predecessor institutions dating back to the early 20th century, OP Bancorp has grown alongside southeastern Virginia communities while maintaining a community-bank ethos. The company’s leadership team comprises seasoned banking professionals with deep regional experience, guiding strategic initiatives to expand product offerings, enhance digital capabilities and strengthen customer engagement across its service area.
