Bank of Charles Town
Charles Town, WV
IDRSSD: 1014125
Total Assets
$960.89M
Latest filing
Total Deposits
$833.51M
Latest filing
Net Interest Margin
3.65%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Charles Town
111 E Washington St
Charles Town, WV 25414
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/20/1870FDIC Certificate 5764
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Bank of Charles Town (Main) | 111 E Washington St | Charles Town, WV |
| HARPERS FERRY BRANCH | 1366 Washington St | Harpers Ferry, WV |
| KEARNEYSVILLE BRANCH | 5480 Charles Town Road | Kearneysville, WV |
| MARTINSBURG BRANCH | 9738 Tuscarora Pike | Martinsburg, WV |
| HEDGESVILLE BRANCH | 119 Cowardly Lion Dr | Hedgesville, WV |
| HAGERSTOWN BRANCH | 1101 Frederick St | Hagerstown, MD |
| MIDDLEBURG BRANCH | 115 The Plains Rd | Middleburg, VA |
| PURCELLVILLE BRANCH | 1201 Wolf Rock Dr | Purcellville, VA |
Showing 7 of 8
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Clear Mountain Bank
Bruceton Mills, West Virginia
→
Assets: $979.48MΔ +6.6%
Pendleton Community Bank, Inc.
Franklin, West Virginia
→
Assets: $790.10MΔ -14.0%
Citizens Bank of West Virginia, Inc.
Elkins, West Virginia
→
Assets: $682.47MΔ -25.8%
CNB Bank, Inc.
Berkeley Springs, West Virginia
→
Assets: $673.72MΔ -26.7%
Putnam County Bank
Hurricane, West Virginia
→
Assets: $665.31MΔ -27.6%
The Poca Valley Bank, Inc.
Walton, West Virginia
→
Assets: $627.74MΔ -31.7%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/20/1870 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25414 |
| State and County Number | 54037 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Washington-Arlington-Alexandria, DC-VA-MD-WV |
Operational Info
| Number of Employees | 124 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mybct.bank |
| Data Updated | 11/14/2025 |
| CERT | 9023 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $960.89M |
| Total Deposits | $833.51M |
| Total Liabilities | $871.97M |
| Total Equity Capital | $88.92M |
| Net Income | $2.46M |
| Net Loans and Leases | $727.56M |
| Assets Per Employee ($Millions) | $7.51M |
| Bank Premises and Fixed Assets | $8.89M |
| Cash and Balances due from Depository Institutions | $119.80M |
| Deposits Held in Domestic Offices | $833.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 11.22% |
| Net Interest Margin | 3.65% |
| Efficiency Ratio | 66.7% |
| Tier 1 Risk-Based Capital Ratio | 12.656% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.254% |
| Earning Assets to total Assets | 95.81% |
Income and Expense
| Total Interest Income | $12.24M |
| Total Noninterest Income | $1.88M |
| Total Interest Expense | $4.03M |
| Total Noninterest Expense | $6.74M |
| Net Interest Income | $8.22M |
| Pre-tax Net Operating Income | $3.16M |
| Provision for Credit Losses | $200.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $29.74M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $3.01M |
| All Other Liabilities | $5.71M |
| Total Liabilities and Capital | $960.89M |
Securities
| Securities | $77.94M |
| Available-for-sale debt securities | $77.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Charles Town?
$960.89M as of the latest filing.
How much are Bank of Charles Town's total deposits?
$833.51M in total deposits.
Where is Bank of Charles Town located?
Charles Town, WV.
What is the Net Interest Margin?
3.65%.
How many domestic offices does it operate?
9.
When was it established?
02/20/1870.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$727.56M (latest filing).
What is the total interest income (latest filing)?
$12.24M.