<span item_type="fundamental" item_id="6feddba760725018867b1a1aca600792" counter_id="ST/US/OPOF" env="prod"></span><span item_type="announcement" item_id="544016209055451777" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.24.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 1.596 M.</p><p></p><h3>Net Income</h3><ul><li>Net income for the second quarter of 2025 was $1.2 million, a decrease of 42.5% from the first quarter of 2025 and a decrease of 50.9% from the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Return on Average Equity (ROE) and Return on Average Assets (ROA)</h3><ul><li>ROE for the second quarter of 2025 was 4.25%, compared to 7.50% for the first quarter of 2025 and 9.43% for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li><li>ROA for the second quarter of 2025 was 0.35%, compared to 0.61% for the first quarter of 2025 and 0.71% for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Net Interest Margin (NIM)</h3><ul><li>NIM for the second quarter of 2025 was 3.70%, compared to 3.63% for the first quarter of 2025 and 3.62% for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Non-Performing Assets</h3><ul><li>Non-performing assets were $3.3 million as of June 30, 2025, decreasing 19.7% from March 31, 2025, but increasing from $2.0 million as of June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Total Assets and Deposits</h3><ul><li>Total assets were $1.4 billion as of June 30, 2025, a decrease of 3.3% from December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li><li>Total deposits decreased by 3.7% from December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Provision for Credit Losses</h3><ul><li>Provision for credit losses was $468 thousand for the second quarter of 2025, compared to $717 thousand for the first quarter of 2025 and $261 thousand for the second quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company announced an agreement to merge with TowneBank, which is expected to provide a stronger platform for growth and create enhanced value for shareholders, customers, and employees.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/740971/000114036125028038/ef20052883_ex99-1.htm"></span></li></ul>

Old Point Financial | 8-K: FY2025 Q2 EPS: USD 0.24