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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

OLD POINT TRUST & FINANCIAL SERVICES N A

Quarter ended Q3 2025 · Filed October 8, 2025 · Accession 0001102256-25-000009

Total Value
$309.5M
Positions
337
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (337)

#IssuerTicker / CUSIPSharesValue% of Filing
1MICROSOFT CORPMSFT33,635$17.4M5.63%
2PALANTIR TECHNOLOGIES INC - APLTR73,094$13.3M4.31%
3APPLE INCAAPL45,659$11.6M3.76%
4RTX CORPORATIONRTX58,419$9.8M3.16%
5EXXON MOBIL CORPORATIONXOM85,261$9.6M3.11%
6CONOCOPHILLIPSCOP94,816$9.0M2.90%
7JOHNSON & JOHNSONJNJ47,349$8.8M2.84%
8PROCTER & GAMBLE CO.74271810956,516$8.7M2.81%
9CISCO SYSTEMSCSCO121,547$8.3M2.69%
10AMAZON.COM INCAMZN34,346$7.5M2.44%
11PEPSICO INCPEP52,208$7.3M2.37%
12TOWNEBANK89214P109205,116$7.1M2.29%
13BLACKSTONE INCBX40,725$7.0M2.25%
14SOUTHERN COSOMN72,408$6.9M2.22%
15TRUIST FINANCIAL CORP89832Q109144,245$6.6M2.13%
16AMGEN INCAMGN22,671$6.4M2.07%
17SCHWAB FUNDAMENTAL INTL L/C808524755145,930$6.3M2.03%
18ACCENTURE PLC CL AACN23,487$5.8M1.87%
19ENBRIDGE INCENNPF110,367$5.6M1.80%
20KINDER MORGAN INCEP-PC191,010$5.4M1.75%
21ECOLAB INCECL19,245$5.3M1.70%
22NEXTERA ENERGY INCNEE-PW67,263$5.1M1.64%
23VANGUARD SMALL-CAP VALUE ETF92290861124,071$5.0M1.62%
24ALPHABET INC - CL AGOOG18,895$4.6M1.48%
25NORFOLK SOUTHERN CORP.65584410812,999$3.9M1.26%
26LOCKHEED MARTIN CORPLMT7,767$3.9M1.25%
27VERIZON COMMUNICATIONSVZ82,083$3.6M1.17%
28INTERNATIONAL BUSINESS MACHINEINTR11,967$3.4M1.09%
29SYSCO CORPSYY38,216$3.1M1.02%
30EATON CORP PLCETN8,292$3.1M1.00%
31VISA INC - CLASS A SHARESV7,272$2.5M0.80%
32YUM! BRANDS INCYUM16,032$2.4M0.79%
33VANGUARD INTERME92206C70638,252$2.3M0.74%
34VANGUARD S&P 500 ETF9229083633,695$2.3M0.73%
35VANGUARD SHORT - TERM BOND ETF92193782727,270$2.2M0.70%
36DOMINION ENERGY INCD34,659$2.1M0.68%
37PHILIP MORRIS INTERNATIONAL IN71817210912,885$2.1M0.68%
38HEWLETT PACKARD ENTERPRISE COHPE-PC80,743$2.0M0.64%
39MERCK & CO INC NEWMRK22,609$1.9M0.61%
40MARRIOTT INTERNATIONAL INC NEW5719032027,195$1.9M0.61%
41GE AEROSPACE3696043016,195$1.9M0.60%
42SPDR Portfolio High Yield Bond78468R60675,202$1.8M0.58%
43ULTA BEAUTY INCULTA3,130$1.7M0.55%
44iShares Core S&P US Value ETF46428766316,901$1.7M0.55%
45COCA-COLA COKO25,442$1.7M0.55%
46JP MORGAN CHASE & COVYLD5,317$1.7M0.54%
47BAKER HUGHES COBKR33,000$1.6M0.52%
48WR BERKLEY CORPWRB-PH20,821$1.6M0.52%
49iShares Morningstar Mid-Cap Gr46428830719,200$1.6M0.51%
50WEYERHAEUSER COWY63,265$1.6M0.51%
51INVESCO QQQ TRUST SERIES 1IVZ2,530$1.5M0.49%
52CHUBB CORPCB5,326$1.5M0.49%
53PFIZER, INCPFE58,408$1.5M0.48%
54UNITED PARCEL SERVICE CL BUPS17,041$1.4M0.46%
55VANGUARD INTERMED TRM CORP BD92206C87016,233$1.4M0.44%
56JPMorgan Core Plus Bond ETF46641Q67026,876$1.3M0.41%
57SALESFORCE INCCRM5,172$1.2M0.40%
58SPDR Portfolio S&P 500 Growth78464A40911,631$1.2M0.39%
59iShares Core MSCI Internationa46435G32614,714$1.2M0.38%
60INVESCO BULLETSHARES 2028IVZ54,647$1.1M0.36%
61INVESCO BULLETSHARES 2027IVZ56,439$1.1M0.36%
62MARATHON PETROLEUM CORPMARA5,525$1.1M0.34%
63CHEVRON CORPCVX6,695$1.0M0.34%
64NVIDIA CORPNVDA5,550$1.0M0.33%
65AGILENT TECHNOLOGIES INCA8,054$1.0M0.33%
66ISHARES RUSSELL 1000 GROWTH ET4642876142,172$1.0M0.33%
67TARGET CORPTGT11,008$987,4180.32%
68SPDR GOLD TRUSTGLD2,759$980,7420.32%
69DEERE & CODE2,071$946,9850.31%
70ELEVANCE HEALTH INCELV2,887$932,8470.30%
71KIMBERLY CLARK CORPKMB7,502$932,7990.30%
72HONEYWELL INTERNATIONAL INC4385161064,420$930,4100.30%
73CBRE GROUP INCCBRE5,808$915,1080.30%
74HECLA MINING CO42270410674,100$896,6100.29%
75ALTRIA GROUP INCMO12,739$841,5380.27%
76SPDR S&P MIDCAP 400 ETF TRUSTMDY1,404$836,8260.27%
77PAN AMERN SILVER CORP69790010821,000$813,3300.26%
78BANK OF AMERICA CORP06050510415,532$801,2960.26%
79WALT DISNEY CO/THE2546871066,911$791,3100.26%
80BRISTOL-MYERS SQUIBB CO.CELG-RI17,351$782,5300.25%
81AT&T INCT-PC26,548$749,7160.24%
82ISHARES GOLD TRUST NEWIAU9,700$705,8690.23%
83T ROWE PRICE GROUP INCTROW6,725$690,2540.22%
84SPDR INDEX SHARES EMERG78463X50914,277$668,3060.22%
85ROYAL BK CDA MONTREAL QUE COM7800871024,500$662,9400.21%
86INVESCO BULLETSHARES 2029IVZ33,623$632,4490.20%
87CATERPILLAR INCCAT1,317$628,4070.20%
88INVESCO BULLETSH 2025IVZ30,240$625,6660.20%
89INVESCO BULLETSHARES 2026IVZ31,533$616,7850.20%
90BARRICK MINING CORPORATION06849F10818,100$593,1370.19%
91NEWMONT MININGNEMCL6,700$564,8770.18%
92PHILLIPS 66PSX3,850$523,6770.17%
93GENUINE PARTS COGPC3,745$519,0570.17%
94LOWES COMPANIES5486611072,058$517,1960.17%
95HERSHEY COMPANYHSY2,640$493,8120.16%
96FOX CORP - CLASS BFOX8,607$493,0950.16%
97CSX CORPCSX13,278$471,5020.15%
98GOLDMAN SACHS GROUP INCGSCE588$468,2540.15%
993M COMMM2,994$464,6090.15%
100GE VERNOVA LLC COMGEV737$453,1810.15%
101WALMART INCWMT4,276$440,6850.14%
102MONDELEZ INTERNATIONAL, INC6092071056,938$433,4170.14%
103META PLATFORMS INCMETA527$387,0180.13%
104PROGRESSIVE CORP7433151031,500$370,4250.12%
105iShares iBonds Dec 2026 Term T46436E85816,000$367,2000.12%
106HOME DEPOT INC.HD871$352,9200.11%
107PPG INDUSTRIES, INC.6935061073,200$336,3520.11%
108MICROSOFT CORPMSFT645$334,0780.11%
109DEVON ENERGY CORPORATION NEW25179M1039,325$326,9350.11%
110VANGUARD DIVIDEND APPRECIATION9219088441,496$322,8220.10%
111ISHARES TR CORE MSCI EAFE ETF46432F8423,555$310,3870.10%
112ISHARES S&P 500 INDEX FUND ETF464287200452$302,5240.10%
113ORACLE CORPORCL-PD1,058$297,5520.10%
114CLOROX COCLX2,350$289,7550.09%
115ABBOTT LABORATORIESABLZF2,127$284,8900.09%
116iShares iBonds Dec 2027 Term T46436E84112,610$283,9770.09%
117NIKE, INC.NKE4,066$283,5220.09%
118QUALCOMM INCQCOM1,700$282,8120.09%
119TESLA INCTSLA625$277,9500.09%
120VALERO ENERGY CORPVLO1,600$272,4160.09%
121DANAHER CORP2358511021,346$266,8580.09%
122MCDONALDS CORPMCD818$248,5820.08%
123BERKSHIRE HATHAWAY INC CL B NEBRK-A470$236,2880.08%
124INTEL CORPINTC6,950$233,1730.08%
125DUKE ENERGY CORP NEW COMDUKB1,880$232,6500.08%
126ILLINOIS TOOL WORKS452308109883$230,2510.07%
127DARDEN RESTAURANTS INCDRI1,200$228,4320.07%
128COLGATE PALMOLIVE CO.CL2,850$227,8290.07%
129MORGAN STANLEYMS-PQ1,319$209,6680.07%
130COSTCO WHOLESALE CORP22160K105225$208,2670.07%
131APPLE INCAAPL810$206,2500.07%
132ISHARES RUSSELL 2000 ETF464287655839$203,0040.07%
133ANALOG DEVICES INCADI796$195,5770.06%
134BERKSHIRE HATHAWAY INC CL B NEBRK-A375$188,5280.06%
135Carlyle Group Inc.CGABL3,000$188,1000.06%
136UNITED HEALTH GROUP INCUNH540$186,4620.06%
137JOHNSON & JOHNSONJNJ1,005$186,3470.06%
138ARCHER DANIELS MIDLAND COADM3,066$183,1630.06%
139LILLY (ELI) & CO.LLY228$173,9640.06%
140MOSAIC CO/THEMOS5,000$173,4000.06%
141Jefferies Financial GroupJEF2,592$169,5690.05%
142VICI PROPERTIES INC9256521095,150$167,9420.05%
143SERIES SOLUTIONS DEFIANCE QUAN26922A4201,579$165,6530.05%
144iShares iBonds Dec 2025 Term T46436E8666,800$158,8820.05%
145BAXTER INTL INC0718131096,875$156,5440.05%
146ABBVIE INCABBV610$141,2390.05%
147MSC INDUSTRIAL DIRECT CO-A5535301061,500$138,2100.04%
148ISHARES S&P MID-CAP 400 VALUE4642877051,062$137,7630.04%
149STARBUCKS CORPSBUX1,569$132,7370.04%
150iShares ibonds Dec 2028 Term T46436E8335,600$125,3560.04%
151CONSTELLATION ENERGY CORPORATICEG366$120,4400.04%
152ADVANCED MICRO DEVICSAMD698$112,9290.04%
153MASTERCARD INC - CLASS AMA185$105,2300.03%
154EXXON MOBIL CORPORATIONXOM914$103,0540.03%
155AMERICAN EXPRESS COAXP302$100,3120.03%
156BANK OF AMERICA CORP0605051954,000$100,2000.03%
157DUKE ENERGY CORPDUKB4,000$100,0000.03%
158JPMORGAN CHASE & CO48128B6554,000$99,4000.03%
159WELLS FARGO & CO NEW9497461011,183$99,1590.03%
160ALBEMARLE CORPALB-PA1,210$98,1070.03%
161TRACTOR SUPPLY COMPANYTSCO1,725$98,1010.03%
162NEXTERA ENERGY CAPITALNEE-PW4,000$97,8040.03%
163INTERPUBLIC GROUP COS INCINTR3,480$97,1270.03%
164ASTRAZENECA PLC-SPONS ADRAZN1,225$93,9820.03%
165AT&T INCT-PC4,000$92,0000.03%
166AMERICAN ELECTRIC POWER CO INC025537101800$90,0000.03%
167PROCTER & GAMBLE CO.742718109580$89,1170.03%
168NORTHROP GRUMMAN CORP COMNOC135$82,2580.03%
169ISHARES SILVER TRUSTSLV1,925$81,5620.03%
170ABBOTT LABORATORIESABLZF600$80,3640.03%
171AFLAC INCAFL699$78,0780.03%
172WASTE MANAGEMENT INC94106L109347$76,6280.02%
173CANADIAN PACIFIC KANSAS CITY LCP1,000$74,4900.02%
174CHURCH & DWIGHT CO INCCHD850$74,4860.02%
175AT&T INCT-PC2,626$74,1580.02%
176CAPITAL ONE FINANCIAL CORP14040H105344$73,1280.02%
177HUNTINGTON INGALLS INDS INC446413106250$71,9780.02%
178STRYKER CORPSYK182$67,2800.02%
179ENTERGY CORP NEWENO700$65,2330.02%
180ISHARES CORE S&P TOTAL US STOC464287150434$63,2120.02%
181CVS HEALTH CORPCVS833$62,8000.02%
182VANGUARD INT HDV921946794738$62,4940.02%
183NETFLIX INCNFLX47$56,3490.02%
184SIMON PROPERTY GROUP INC828806109300$56,3010.02%
185BROADCOM INC COMAVGO170$56,0850.02%
186SMUCKER J M CO NEW832696405516$56,0380.02%
187ALPHABET INC - CL AGOOG230$55,9130.02%
188ROCKWELL INTL CORPROK154$53,8280.02%
189PUBLIC STORAGE INC COMPSA-PS185$53,4370.02%
190AUTOMATIC DATA PROCESSING INCADP182$53,4170.02%
191Nuveen Multi-Asset Income Fund6707501084,100$53,2180.02%
192TRUIST FINANCIAL CORP89832Q1091,155$52,8070.02%
193Virtus Total Return Fund Inc92835W1078,000$51,6000.02%
194ISHARES CORE DIVIDEND GROWTH46434V621750$51,0600.02%
195EXELON CORPORATIONEXC1,100$49,5110.02%
196TAIWAN SEMICONDUCTOR - SP ADR874039100177$49,4340.02%
197M & T BANK CORP55261F104250$49,4050.02%
198ISHARES CORE MSCI EMERGING MKT46434G103749$49,3740.02%
199RTX CORPORATIONRTX283$47,3540.02%
200FEDEX CORPORATIONFDX200$47,1620.02%
201XCEL ENERGY INCXELLL584$47,1000.02%
202C & F FINANCIAL CORPORATION12466Q104700$47,0400.02%
203iShares Morningstar Mid-Cap Gr464288307554$45,8320.01%
204FERGUSON ENTERPRISES INCFERG202$45,3650.01%
205AMAZON.COM INCAMZN200$43,9140.01%
206ZOETIS INCZTS300$43,8960.01%
207GE HEALTHCARE TECHNOLOGIES INCGEHC579$43,4830.01%
208CORTEVA INCCTVA591$39,9690.01%
209CINCINNATI FINANCIAL CORP172062101250$39,5250.01%
210FASTENAL COFAST800$39,2320.01%
211ISHARES EXPANDED TECH SECTOR464287549300$37,7850.01%
212Vertiv Holdings Co.VRT250$37,7150.01%
213BP PLC SPONSORED ADRBPPFF1,084$37,3550.01%
214SHELL PLC ADRRYDAF500$35,7650.01%
215PACER TRENDPILOT 100 ETF69374H303452$35,0440.01%
216CISCO SYSTEMSCSCO510$34,8940.01%
217TARGET CORPTGT385$34,5350.01%
218SCHWAB FUNDAMENTAL INTL L/C808524755800$34,3680.01%
219VERIZON COMMUNICATIONSVZ769$33,7980.01%
220TEREX CORPTEX654$33,5500.01%
221COCA COLA BOTTLING CO CONSCOKE280$32,8050.01%
222PROLOGIS INCPLDGP285$32,6380.01%
223VULCAN MATERIALS CO929160109105$32,3000.01%
224GENERAL MOTORS CO37045V100500$30,4850.01%
225VANGUARD VALUE ETF922908744161$30,0250.01%
226DELTA AIR LINES INCDAL500$28,3750.01%
227INTERNATIONAL BUSINESS MACHINEINTR100$28,2160.01%
228Clearway Energy Inc.CWEN-A1,000$26,9300.01%
229PFIZER, INCPFE1,055$26,8810.01%
230LAM RESEARCH CORP NEWLRCX200$26,7800.01%
231HILTON WORLDWIDE HOLDINGS INHLT100$25,9440.01%
232ISHARES US TREASURY BD FD ETF46429B2671,118$25,8480.01%
233Brown-Forman Corporation ClassBF-B937$25,3740.01%
234ALLIANCE RESOURCE PARTNERSARLP1,000$25,2850.01%
235CONSOLIDATED EDISON INCED250$25,1300.01%
236CROWDSTRIKE HOLDINGS INC - ACRWD51$25,0090.01%
237KINROSS GOLD CORPKGCRF1,000$24,8500.01%
238ALPHABET INC - CL CGOOG100$24,3550.01%
239GSK PLC SPON ADS EACH REP 2 ORGLAXF560$24,1700.01%
240ONEOK INCOKE316$23,0590.01%
241Huntsman CorporationHUN2,500$22,4500.01%
242DRAFTKINGS INC NEW CL ADKNG600$22,4400.01%
243FIRST SOLAR INCFSLR100$22,0530.01%
244INTUIT INCINTU32$21,8530.01%
245LINDE PLCLIN45$21,3750.01%
246VeriSign, Inc.VRSN75$20,9680.01%
247PRUDENTIAL FINANCIAL INCPUKPF200$20,7480.01%
248VISTRA CORPVST100$19,5920.01%
249ASML HOLDING NV-NY REG SHSASMLF20$19,3620.01%
250UNITED CONTINENTAL HOLDINGS INUNTCW200$19,3000.01%
251AMERICAN WATER WORKS INC030420103138$19,2080.01%
252THERMO FISHER SCIENTIFIC INC.TMO39$18,9160.01%
253SPDR AMEX ENERGY SELECT81369Y506200$17,8680.01%
254APOLLO GLOBAL MANAGEMENT INC03769M106132$17,5920.01%
255SCHWAB INTERMEDI808524854700$17,5910.01%
256WILLIAMS COS INC969457100269$17,0410.01%
257KRAFT HEINZ COKHC634$16,5090.01%
258CORNING INCGLW200$16,4060.01%
259TC ENERGY CORPTRPRF300$16,3230.01%
260MIDDLEBY CORPMIDD120$15,9520.01%
261iShares iBonds Dec 2029 Term T46436E825700$15,3690.00%
262ADOBE SYS INCADBE41$14,4630.00%
263TJX COMPANIES INC872540109100$14,4540.00%
264UNION PACIFIC CORPUNP60$14,1820.00%
265KINDER MORGAN INCEP-PC500$14,1550.00%
266PEPSICO INCPEP100$14,0440.00%
267DOW INCDOW591$13,5520.00%
268CONSTELLATION BRANDS INC-ASTZ100$13,4670.00%
269COGNIZANT TECH SOLUTIONS-ACTSH200$13,4140.00%
270CARRIAGE SERVICES INC143905107300$13,3620.00%
271ISHARES CORE HIG46429B663109$13,3470.00%
272BLACKROCK INC NEW COMBLK11$12,8250.00%
273SOLVENTUM CORP COMSOLV175$12,7750.00%
274TRANSOCEAN LTDRIG4,000$12,4800.00%
275DOMINION ENERGY INCD199$12,1730.00%
276FIRSTENERGY CORPFE263$12,0510.00%
277COMCAST CORP CL ACCZ382$12,0020.00%
278BCE INC NEWBCPPF500$11,6950.00%
279MFC GOLDMAN SACHS LG CAP EQUITNVGLF86$11,2040.00%
280SPDR S&P 600 SMALL CAP VALUE78464A300125$11,0810.00%
281CHARLES SCHWAB CORP NEWSCHW-PJ116$11,0750.00%
282ISHARES S&P SMALL-CAP 600 VALU464287879100$11,0590.00%
283UNILEVER PLC ADRUNLYF183$10,8480.00%
284VANGUARD LT TREA92206C847184$10,4620.00%
285BROOKFIELD CORP VTG SHS CL A11271J107150$10,2870.00%
286KROGER COKR150$10,1120.00%
287GENERAL MILLS INC370334104200$10,0840.00%
288CONOCOPHILLIPSCOP100$9,4590.00%
289SANOFI-ADRSNYNF200$9,4400.00%
290METLIFE INCMET-PF110$9,0610.00%
291SCHWAB US LARGE CAP808524300276$8,8070.00%
292ISHARES CORE US AGGREGATE BOND46428722686$8,6220.00%
293L3HARRIS TECHNOLOGIES INCLHX28$8,5510.00%
294GENERAL DYNAMICS CORPGD25$8,5250.00%
295OLD POINT FINANCIAL CORPORATIO680194107200$8,4200.00%
296PAYPAL HOLDINGS INCPYPL123$8,2480.00%
297BHP BILLITON LTD SPON ADRBHPLF143$7,9720.00%
298ATLANTIC UNION BANKSHARES CORP04911A107217$7,6580.00%
299BECTON DICKINSON & COBDX40$7,4870.00%
300HALLIBURTON CO.HAL300$7,3800.00%
301Vitesse Energy, Inc.VTS305$7,0850.00%
302VANGUARD SMALL-CAP VALUE ETF92290861130$6,2610.00%
303AMERICAN INTERNATIONAL GROUP02687478479$6,2050.00%
304SYSCO CORPSYY75$6,1760.00%
305PRIMIS FINANCIAL CORPFRST583$6,1270.00%
306MATTHEWS INTL CORP-CLASS A577128101240$5,8270.00%
307NEXTERA ENERGY INCNEE-PW75$5,6620.00%
308SCHWAB INTERNATIONAL808524805242$5,6340.00%
309BOEING CO.BA-PA25$5,3960.00%
310LEMONADE INCLMND100$5,3530.00%
311MODERNA INCMRNA200$5,1660.00%
312PROTO LABS INCPRLB100$5,0030.00%
313LOCKHEED MARTIN CORPLMT10$4,9920.00%
314PIMCO HIGH INCOME FUND7220141071,000$4,9900.00%
315ACCENTURE PLC CL AACN20$4,9320.00%
316MFC ISHARES TR BROAD USD HI YL46435U853120$4,5340.00%
317HALEON PLC - ADRHLNCF500$4,4850.00%
318ISHARES JP MORGA46428828145$4,2840.00%
319ISHARES 7-10 YR TREAS BD ETF46428744041$3,9550.00%
320CHARLES SCHWAB US MC808524508126$3,7350.00%
321NEWS CORP - CLASS B (NEW)NWSLL100$3,4550.00%
322SCHLUMBERGER LTDSLB100$3,4370.00%
323INTEL CORPINTC100$3,3550.00%
324CARRIER GLOBAL CORPCARR47$2,8060.00%
325HP INCHPQ100$2,7230.00%
326WEYERHAEUSER COWY100$2,4790.00%
327BROOKFIELD ASSET MGMT LTD CL A11300410537$2,1070.00%
328Take-Two Interactive SoftwareTTWO8$2,0670.00%
329ISHARES IBOXX $ HIGH YIELD COR46428851322$1,7860.00%
330UNITED PARCEL SERVICE CL BUPS20$1,6710.00%
331WARNER BROS DISCOVERY INCWBD65$1,2690.00%
332STRATASYS LTDSSYS100$1,1200.00%
333OTIS WORLDWIDE CORPOTIS6$5490.00%
334OCCIDENTAL PETE CORP WT EXP 0867459916212$3060.00%
335AEYE INC WT EXPLIDRW1,000$1830.00%
336DXC TECHNOLOGY CODXC8$1090.00%
337LUMINAR TECHNOLOGIES INCLAZRQ1$20.00%