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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Old Point Financial's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2024 was 86.05% , which is higher than 79.53% for the pervious quarter ended in Dec. 2023.
Old Point Financial's Efficiency Overhead Ratio % for the annual that ended in Dec. 2023 was 81.21% , which is higher than 78.79% for the pervious year ended in Dec. 2022.
The historical rank and industry rank for Old Point Financial's Efficiency Overhead Ratio % or its related term are showing as below:
The historical data trend for Old Point Financial's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Old Point Financial Annual Data | |||||||||||
Trend | Dec19 | Dec20 | Dec21 | Dec22 | Dec23 | ||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial |
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Trend | Jun19 | Sep19 | Dec19 | Mar20 | Jun20 | Sep20 | Dec20 | Mar21 | Jun21 | Sep21 | Dec21 | Mar22 | Jun22 | Sep22 | Dec22 | Mar23 | Jun23 | Sep23 | Dec23 | Mar24 | |||||||||||||||||||||
Efficiency Overhead Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Tier 1 Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Leverage Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Capital Adequacy Tier - Total Capital Ratio % | Get a 7-Day Free Trial | ||||||||||||||||||||||||||||||||||||||||
Net Charge Offs to Average Loans % | Get a 7-Day Free Trial |
For the Banks - Regional subindustry, Old Point Financial's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio % | = | Non-interest Expenses | / | Revenue |
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Old Point Financial (NAS:OPOF) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Thank you for viewing the detailed overview of Old Point Financial's Efficiency Overhead Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.
Sarah B Golden | director | PO BOX 3392, HAMPTON VA 23663 |
Tom B Langley | director | PO BOX 3392, HAMPTON VA 23663 |
Michael A Glasser | director | PO BOX 3392, HAMPTON VA 23663 |
Joseph R Witt | director, other: EVP, Corporate Banking, OPNB | PO BOX 3392, HAMPTON VA 23663 |
Paul M Pickett | officer: Chief Financial Officer | PO BOX 3392, HAMPTON VA 23663 |
Elizabeth S Wash | director | 1104 WORMLEY CREEK DRIVE, YORKTOWN VA 23692 |
Pl Capital Advisors, Llc | 10 percent owner | 750 ELEVENTH STREET SOUTH, SUITE 202, NAPLES FL 34102 |
John Cabot Ishon | director | PO BOX 3392, HAMPTON VA 23663 |
Thacker Clark Rebekah Ellen | director | PO BOX 3392, HAMPTON VA 23663 |
Adams Stephen Conway | director | PO BOX 3392, HAMPTON VA 23663 |
Shuford Robert F Jr | other: EVP/CHIEF OPERATING OFFR-OPNB | PO BOX 3392, HAMPTON VA 23663 |
Greene Dr Arthur D | director | PO BOX 3392, HAMPTON VA 23663 |
John W Palmer | 10 percent owner | C/O SECURITY FINANCIAL BANCORP INC, 9321 WICKER AVE, ST JOHN IN 46373 |
Richard J Lashley | 10 percent owner | C/O PL CAPITAL, LLC, 47 E. CHICAGO AVE., SUITE 328, NAPERVILLE IL 60540 |
Kauders A Eric Jr | officer: SVP/Trust | 101 E QUEEN ST, HAMPTON VA 23669 |
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