# EDGAR Filing Document

**Accession Number:** 0001102256
**File Stem:** 0001102256-25-000004
**Filing Date:** 2025-7
**Character Count:** 15731
**Document Hash:** f30c26e6fee86e1c9c2b1bf2c5273ed7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001102256-25-000004.hdr.sgml**: 20250718

**ACCESSION NUMBER**: 0001102256-25-000004

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250718

**DATE AS OF CHANGE**: 20250718

**EFFECTIVENESS DATE**: 20250718

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** OLD POINT TRUST & FINANCIAL SERVICES N A
- **CENTRAL INDEX KEY:** 0001102256

**ORGANIZATION NAME:**
- **EIN:** 541920705
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-10669
- **FILM NUMBER:** 251132965

**BUSINESS ADDRESS:**
- **STREET 1:** 11780 JEFFERSON AVENUE
- **STREET 2:** P O BOX 6270
- **CITY:** NEWPORT NEWS
- **STATE:** VA
- **ZIP:** 23606
- **BUSINESS PHONE:** 7575992200

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 6270
- **CITY:** NEWPORT NEWS
- **STATE:** VA
- **ZIP:** 23606

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** OLD POINT TRUST  FINANCIAL SERVICES N A<br>**Address:** P O BOX 6270<br>NEWPORT NEWS, VA 23606

**Form 13F File Number:** 028-10669

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Eric Kauders Jr<br>**Title:** CEO and President of Old Point Wealth Management<br>**Phone:** 757-728-1893

**Signature, Place, and Date of Signing:**

Eric Kauders Jr  Newport News, VA  07-18-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 128

**Form 13F Information Table Value Total:** $254053924

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| AT INC | Com | 00206R102 |  | 1858527 | 64220 | SH |  | SOLE | 0 | 64220 | 0 | 0 |
| AT INC | Com | 00206R102 |  | 75996 | 2626 | SH |  | DFND | 0 | 2626 | 0 | 0 |
| ABBOTT LABORATORIES | Com | 002824100 |  | 289293 | 2127 | SH |  | SOLE | 0 | 2127 | 0 | 0 |
| ABBOTT LABORATORIES | Com | 002824100 |  | 81606 | 600 | SH |  | DFND | 0 | 600 | 0 | 0 |
| AGILENT TECHNOLOGIES INC | Com | 00846U101 |  | 861945 | 7304 | SH |  | SOLE | 0 | 7304 | 0 | 0 |
| ALPHABET INC - CL A | Com | 02079K305 |  | 3219722 | 18270 | SH |  | SOLE | 0 | 18170 | 0 | 100 |
| ALPHABET INC - CL A | Com | 02079K305 |  | 40533 | 230 | SH |  | DFND | 0 | 230 | 0 | 0 |
| ALTRIA GROUP INC | Com | 02209S103 |  | 746888 | 12739 | SH |  | SOLE | 0 | 12739 | 0 | 0 |
| AMAZON.COM INC | Com | 023135106 |  | 7373917 | 33611 | SH |  | SOLE | 0 | 33611 | 0 | 0 |
| AMAZON.COM INC | Com | 023135106 |  | 43878 | 200 | SH |  | DFND | 0 | 200 | 0 | 0 |
| AMGEN INC | Com | 031162100 |  | 6419317 | 22991 | SH |  | SOLE | 0 | 22991 | 0 | 0 |
| ELEVANCE HEALTH INC | Com | 036752103 |  | 663955 | 1707 | SH |  | SOLE | 0 | 1707 | 0 | 0 |
| APPLE INC | Com | 037833100 |  | 9303228 | 45344 | SH |  | SOLE | 0 | 44844 | 0 | 500 |
| APPLE INC | Com | 037833100 |  | 166188 | 810 | SH |  | DFND | 0 | 810 | 0 | 0 |
| BAKER HUGHES CO | Com | 05722G100 |  | 1169370 | 30500 | SH |  | SOLE | 0 | 30500 | 0 | 0 |
| BANK OF AMERICA CORP | Com | 060505104 |  | 756268 | 15982 | SH |  | SOLE | 0 | 15982 | 0 | 0 |
| BAXTER INTL INC | Com | 071813109 |  | 399121 | 13181 | SH |  | SOLE | 0 | 13181 | 0 | 0 |
| WR BERKLEY CORP | Com | 084423102 |  | 1436192 | 19548 | SH |  | SOLE | 0 | 19548 | 0 | 0 |
| BERKSHIRE HATHAWAY INC CL B NE | Com | 084670702 |  | 182164 | 375 | SH |  | SOLE | 0 | 375 | 0 | 0 |
| BERKSHIRE HATHAWAY INC CL B NE | Com | 084670702 |  | 228312 | 470 | SH |  | DFND | 0 | 470 | 0 | 0 |
| BLACKSTONE INC | Com | 09260D107 |  | 6900125 | 46130 | SH |  | SOLE | 0 | 45680 | 0 | 450 |
| BRISTOL-MYERS SQUIBB CO. | Com | 110122108 |  | 754573 | 16301 | SH |  | SOLE | 0 | 16301 | 0 | 0 |
| CBRE GROUP INC | Com | 12504L109 |  | 614146 | 4383 | SH |  | SOLE | 0 | 4383 | 0 | 0 |
| CSX CORP | Com | 126408103 |  | 435708 | 13353 | SH |  | SOLE | 0 | 12553 | 0 | 800 |
| CATERPILLAR INC | Com | 149123101 |  | 511273 | 1317 | SH |  | SOLE | 0 | 1317 | 0 | 0 |
| CHEVRON CORP | Com | 166764100 |  | 1001614 | 6995 | SH |  | SOLE | 0 | 6995 | 0 | 0 |
| CISCO SYSTEMS | Com | 17275R102 |  | 8577588 | 123632 | SH |  | SOLE | 0 | 123232 | 0 | 400 |
| CISCO SYSTEMS | Com | 17275R102 |  | 35384 | 510 | SH |  | DFND | 0 | 300 | 0 | 210 |
| CLOROX CO | Com | 189054109 |  | 282165 | 2350 | SH |  | SOLE | 0 | 2350 | 0 | 0 |
| COCA-COLA CO | Com | 191216100 |  | 2176765 | 30767 | SH |  | SOLE | 0 | 30767 | 0 | 0 |
| COLGATE PALMOLIVE CO. | Com | 194162103 |  | 259065 | 2850 | SH |  | SOLE | 0 | 2850 | 0 | 0 |
| CONOCOPHILLIPS | Com | 20825C104 |  | 8809237 | 98164 | SH |  | SOLE | 0 | 97360 | 0 | 804 |
| CONOCOPHILLIPS | Com | 20825C104 |  | 8974 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| COSTCO WHOLESALE CORP | Com | 22160K105 |  | 222737 | 225 | SH |  | SOLE | 0 | 225 | 0 | 0 |
| DANAHER CORP | Com | 235851102 |  | 277741 | 1406 | SH |  | SOLE | 0 | 1406 | 0 | 0 |
| DARDEN RESTAURANTS INC | Com | 237194105 |  | 261564 | 1200 | SH |  | SOLE | 0 | 1200 | 0 | 0 |
| DEERE  CO | Com | 244199105 |  | 1144611 | 2251 | SH |  | SOLE | 0 | 2176 | 0 | 75 |
| DEVON ENERGY CORPORATION NEW | Com | 25179M103 |  | 430230 | 13525 | SH |  | SOLE | 0 | 13525 | 0 | 0 |
| WALT DISNEY CO/THE | Com | 254687106 |  | 889648 | 7174 | SH |  | SOLE | 0 | 7174 | 0 | 0 |
| DOMINION ENERGY INC | Com | 25746U109 |  | 2065523 | 36545 | SH |  | SOLE | 0 | 36145 | 0 | 400 |
| DOMINION ENERGY INC | Com | 25746U109 |  | 11247 | 199 | SH |  | DFND | 0 | 199 | 0 | 0 |
| DUKE ENERGY CORP NEW COM | Com | 26441C204 |  | 221840 | 1880 | SH |  | SOLE | 0 | 1880 | 0 | 0 |
| ECOLAB INC | Com | 278865100 |  | 5372634 | 19940 | SH |  | SOLE | 0 | 19740 | 0 | 200 |
| ENBRIDGE INC | Com | 29250N105 |  | 5079647 | 112084 | SH |  | SOLE | 0 | 111084 | 0 | 1000 |
| EXXON MOBIL CORPORATION | Com | 30231G102 |  | 9043450 | 83891 | SH |  | SOLE | 0 | 83591 | 0 | 300 |
| EXXON MOBIL CORPORATION | Com | 30231G102 |  | 98529 | 914 | SH |  | DFND | 0 | 803 | 0 | 111 |
| META PLATFORMS INC | Com | 30303M102 |  | 388973 | 527 | SH |  | SOLE | 0 | 527 | 0 | 0 |
| FIRST SOLAR INC | Com | 336433107 |  | 478411 | 2890 | SH |  | SOLE | 0 | 2890 | 0 | 0 |
| FOX CORP - CLASS B | Com | 35137L204 |  | 525180 | 10172 | SH |  | SOLE | 0 | 10172 | 0 | 0 |
| GE VERNOVA LLC COM | Com | 36828A101 |  | 636038 | 1202 | SH |  | SOLE | 0 | 1202 | 0 | 0 |
| GE AEROSPACE | Com | 369604301 |  | 2296948 | 8924 | SH |  | SOLE | 0 | 8924 | 0 | 0 |
| GENUINE PARTS CO | Com | 372460105 |  | 454306 | 3745 | SH |  | SOLE | 0 | 3745 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Com | 38141G104 |  | 416157 | 588 | SH |  | SOLE | 0 | 588 | 0 | 0 |
| HERSHEY COMPANY | Com | 427866108 |  | 438108 | 2640 | SH |  | SOLE | 0 | 2640 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE CO | Com | 42824C109 |  | 1871543 | 91518 | SH |  | SOLE | 0 | 89818 | 0 | 1700 |
| HOME DEPOT INC. | Com | 437076102 |  | 319343 | 871 | SH |  | SOLE | 0 | 871 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | Com | 438516106 |  | 1099194 | 4720 | SH |  | SOLE | 0 | 4720 | 0 | 0 |
| ILLINOIS TOOL WORKS | Com | 452308109 |  | 238844 | 966 | SH |  | SOLE | 0 | 966 | 0 | 0 |
| INTEL CORP | Com | 458140100 |  | 952694 | 42531 | SH |  | SOLE | 0 | 41931 | 0 | 600 |
| INTEL CORP | Com | 458140100 |  | 2240 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINE | Com | 459200101 |  | 3636701 | 12337 | SH |  | SOLE | 0 | 12337 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINE | Com | 459200101 |  | 29478 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| JP MORGAN CHASE  CO | Com | 46625H100 |  | 1297927 | 4477 | SH |  | SOLE | 0 | 4477 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 7306949 | 47836 | SH |  | SOLE | 0 | 47836 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 153514 | 1005 | SH |  | DFND | 0 | 930 | 0 | 75 |
| KIMBERLY CLARK CORP | Com | 494368103 |  | 1041287 | 8077 | SH |  | SOLE | 0 | 8077 | 0 | 0 |
| KINDER MORGAN INC | Com | 49456B101 |  | 5706834 | 194110 | SH |  | SOLE | 0 | 193010 | 0 | 1100 |
| KINDER MORGAN INC | Com | 49456B101 |  | 14700 | 500 | SH |  | DFND | 0 | 500 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 3731519 | 8057 | SH |  | SOLE | 0 | 8057 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 4631 | 10 | SH |  | DFND | 0 | 10 | 0 | 0 |
| LOWES COMPANIES | Com | 548661107 |  | 201458 | 908 | SH |  | SOLE | 0 | 908 | 0 | 0 |
| MARATHON PETROLEUM CORP | Com | 56585A102 |  | 917758 | 5525 | SH |  | SOLE | 0 | 5525 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC NEW | Com | 571903202 |  | 1519048 | 5560 | SH |  | SOLE | 0 | 5560 | 0 | 0 |
| MCDONALDS CORP | Com | 580135101 |  | 268212 | 918 | SH |  | SOLE | 0 | 918 | 0 | 0 |
| MERCK  CO INC NEW | Com | 58933Y105 |  | 1452507 | 18349 | SH |  | SOLE | 0 | 18349 | 0 | 0 |
| MICROSOFT CORP | Com | 594918104 |  | 17032811 | 34243 | SH |  | SOLE | 0 | 33893 | 0 | 350 |
| MICROSOFT CORP | Com | 594918104 |  | 320829 | 645 | SH |  | DFND | 0 | 645 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | Com | 609207105 |  | 474643 | 7038 | SH |  | SOLE | 0 | 7038 | 0 | 0 |
| MOSAIC CO/THE | Com | 61945C103 |  | 211584 | 5800 | SH |  | SOLE | 0 | 5800 | 0 | 0 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 4894318 | 70503 | SH |  | SOLE | 0 | 69703 | 0 | 800 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 5207 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| NIKE INC. | Com | 654106103 |  | 288849 | 4066 | SH |  | SOLE | 0 | 4066 | 0 | 0 |
| NORFOLK SOUTHERN CORP. | Com | 655844108 |  | 3553376 | 13882 | SH |  | SOLE | 0 | 13582 | 0 | 300 |
| NVIDIA CORP | Com | 67066G104 |  | 955840 | 6050 | SH |  | SOLE | 0 | 6050 | 0 | 0 |
| OLD POINT FINANCIAL CORPORATIO | Com | 680194107 |  | 9314771 | 237319 | SH |  | SOLE | 0 | 236828 | 0 | 491 |
| ORACLE CORP | Com | 68389X105 |  | 231311 | 1058 | SH |  | SOLE | 0 | 1058 | 0 | 0 |
| PPG INDUSTRIES INC. | Com | 693506107 |  | 403813 | 3550 | SH |  | SOLE | 0 | 3550 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC - A | Com | 69608A108 |  | 11312379 | 82984 | SH |  | SOLE | 0 | 82984 | 0 | 0 |
| PEPSICO INC | Com | 713448108 |  | 6757807 | 51180 | SH |  | SOLE | 0 | 50880 | 0 | 300 |
| PEPSICO INC | Com | 713448108 |  | 13204 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 1488530 | 61408 | SH |  | SOLE | 0 | 61408 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 25573 | 1055 | SH |  | DFND | 0 | 1055 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL IN | Com | 718172109 |  | 2378618 | 13060 | SH |  | SOLE | 0 | 13060 | 0 | 0 |
| PHILLIPS 66 | Com | 718546104 |  | 459305 | 3850 | SH |  | SOLE | 0 | 3850 | 0 | 0 |
| T ROWE PRICE GROUP INC | Com | 74144T108 |  | 784063 | 8125 | SH |  | SOLE | 0 | 8125 | 0 | 0 |
| PROCTER  GAMBLE CO. | Com | 742718109 |  | 8853094 | 55568 | SH |  | SOLE | 0 | 55168 | 0 | 400 |
| PROCTER  GAMBLE CO. | Com | 742718109 |  | 92406 | 580 | SH |  | DFND | 0 | 500 | 0 | 80 |
| QUALCOMM INC | Com | 747525103 |  | 270742 | 1700 | SH |  | SOLE | 0 | 1700 | 0 | 0 |
| RTX CORPORATION | Com | 75513E101 |  | 8955845 | 61333 | SH |  | SOLE | 0 | 61333 | 0 | 0 |
| RTX CORPORATION | Com | 75513E101 |  | 41324 | 283 | SH |  | DFND | 0 | 283 | 0 | 0 |
| ROYAL BK CDA MONTREAL QUE COM | Com | 780087102 |  | 828765 | 6300 | SH |  | SOLE | 0 | 6300 | 0 | 0 |
| SPDR GOLD TRUST | Com | 78463V107 |  | 841026 | 2759 | SH |  | SOLE | 0 | 2759 | 0 | 0 |
| SALESFORCE INC | Com | 79466L302 |  | 1124028 | 4122 | SH |  | SOLE | 0 | 4022 | 0 | 100 |
| SOUTHERN CO | Com | 842587107 |  | 6757127 | 73583 | SH |  | SOLE | 0 | 73183 | 0 | 400 |
| SYSCO CORP | Com | 871829107 |  | 2654914 | 35053 | SH |  | SOLE | 0 | 34553 | 0 | 500 |
| SYSCO CORP | Com | 871829107 |  | 5681 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| TARGET CORP | Com | 87612E106 |  | 1100737 | 11158 | SH |  | SOLE | 0 | 11158 | 0 | 0 |
| TARGET CORP | Com | 87612E106 |  | 37980 | 385 | SH |  | DFND | 0 | 385 | 0 | 0 |
| 3M CO | Com | 88579Y101 |  | 455807 | 2994 | SH |  | SOLE | 0 | 2994 | 0 | 0 |
| TOWNEBANK | Com | 89214P109 |  | 625870 | 18311 | SH |  | SOLE | 0 | 18311 | 0 | 0 |
| TRUIST FINANCIAL CORP | Com | 89832Q109 |  | 6547162 | 152295 | SH |  | SOLE | 0 | 151795 | 0 | 500 |
| TRUIST FINANCIAL CORP | Com | 89832Q109 |  | 49653 | 1155 | SH |  | DFND | 0 | 1155 | 0 | 0 |
| ULTA BEAUTY INC | Com | 90384S303 |  | 1504041 | 3215 | SH |  | SOLE | 0 | 3215 | 0 | 0 |
| UNITED PARCEL SERVICE CL B | Com | 911312106 |  | 1971459 | 19531 | SH |  | SOLE | 0 | 19431 | 0 | 100 |
| UNITED PARCEL SERVICE CL B | Com | 911312106 |  | 2019 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| VALERO ENERGY CORP | Com | 91913Y100 |  | 228514 | 1700 | SH |  | SOLE | 0 | 1700 | 0 | 0 |
| VERIZON COMMUNICATIONS | Com | 92343V104 |  | 4339202 | 100282 | SH |  | SOLE | 0 | 99482 | 0 | 800 |
| VERIZON COMMUNICATIONS | Com | 92343V104 |  | 33275 | 769 | SH |  | DFND | 0 | 769 | 0 | 0 |
| VICI PROPERTIES INC | Com | 925652109 |  | 213530 | 6550 | SH |  | SOLE | 0 | 6550 | 0 | 0 |
| VISA INC - CLASS A SHARES | Com | 92826C839 |  | 2155864 | 6072 | SH |  | SOLE | 0 | 6072 | 0 | 0 |
| WALMART  INC | Com | 931142103 |  | 418107 | 4276 | SH |  | SOLE | 0 | 4276 | 0 | 0 |
| WEYERHAEUSER CO | Com | 962166104 |  | 1749874 | 68115 | SH |  | SOLE | 0 | 68115 | 0 | 0 |
| WEYERHAEUSER CO | Com | 962166104 |  | 2569 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| YUM! BRANDS INC | Com | 988498101 |  | 2220033 | 14982 | SH |  | SOLE | 0 | 14682 | 0 | 300 |
| ACCENTURE PLC CL A | Com | G1151C101 |  | 6751028 | 22587 | SH |  | SOLE | 0 | 22237 | 0 | 350 |
| ACCENTURE PLC CL A | Com | G1151C101 |  | 5978 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| EATON CORP PLC | Com | G29183103 |  | 2945881 | 8252 | SH |  | SOLE | 0 | 7952 | 0 | 300 |
| CHUBB CORP | Com | H1467J104 |  | 1160618 | 4006 | SH |  | SOLE | 0 | 4006 | 0 | 0 |

---