Old Point Financial Corporation reported its financial results for the second quarter of 2025, revealing a net income of $1.2 million with diluted earnings per common share of $0.24. This marks a decrease from the first quarter of 2025, which reported a net income of $2.2 million and diluted earnings per share of $0.42, and also a decline from the second quarter of 2024, which had a net income of $2.5 million with earnings per share of $0.50. For the six months ended June 30, 2025, net income was $3.4 million with diluted earnings per share of $0.67, a decrease compared to $4.2 million with earnings per share of $0.84 for the same period in 2024. Adjusted operating earnings (non-GAAP) for the second quarter of 2025 were $2.2 million, or $0.43 per diluted share, compared to $2.5 million, or $0.50 per share, for the second quarter of 2024. Despite the decline, the company highlighted a nearly 20% decrease in non-performing assets compared to the prior quarter, indicating ongoing improvements in operational health. In addition to financial results, Old Point Financial Corporation also announced its agreement to merge with TowneBank. The company expressed optimism that the partnership would provide a stronger platform for growth and enhance value for shareholders, customers, and employees.