Potomac Bank
Charles Town, WV
IDRSSD: 1014125
Total Assets
$943.04M
Latest filing
Total Deposits
$813.14M
Latest filing
Net Interest Margin
3.95%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Potomac Bank
111 E Washington St
Charles Town, WV 25414
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/20/1870FDIC Certificate 5764
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Potomac Bank (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: $997.60MΔ +3.8%
Pendleton Community Bank, Inc.
Franklin, West Virginia
→
Assets: $805.58MΔ -16.2%
CNB Bank, Inc.
Berkeley Springs, West Virginia
→
Assets: $781.94MΔ -18.6%
Citizens Bank of West Virginia, Inc.
Elkins, West Virginia
→
Assets: $685.60MΔ -28.6%
Putnam County Bank
Hurricane, West Virginia
→
Assets: $673.83MΔ -29.9%
The Poca Valley Bank, Inc.
Walton, West Virginia
→
Assets: $637.79MΔ -33.6%
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 | 128 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/03/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mybct.bank |
| Data Updated | 01/30/2026 |
| CERT | 9023 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $943.04M |
| Total Deposits | $813.14M |
| Total Liabilities | $852.13M |
| Total Equity Capital | $90.91M |
| Net Income | $2.56M |
| Net Loans and Leases | $746.61M |
| Assets Per Employee ($Millions) | $7.37M |
| Bank Premises and Fixed Assets | $9.60M |
| Cash and Balances due from Depository Institutions | $79.63M |
| Deposits Held in Domestic Offices | $813.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 11.41% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 67.59% |
| Tier 1 Risk-Based Capital Ratio | 12.65% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.64% |
| Earning Assets to total Assets | 95.81% |
Income and Expense
| Total Interest Income | $12.77M |
| Total Noninterest Income | $2.04M |
| Total Interest Expense | $3.77M |
| Total Noninterest Expense | $7.47M |
| Net Interest Income | $9.01M |
| Pre-tax Net Operating Income | $3.33M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $29.87M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $2.45M |
| All Other Liabilities | $6.67M |
| Total Liabilities and Capital | $943.04M |
Securities
| Securities | $80.91M |
| Available-for-sale debt securities | $80.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Potomac Bank?
$943.04M as of the latest filing.
How much are Potomac Bank's total deposits?
$813.14M in total deposits.
Where is Potomac Bank located?
Charles Town, WV.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
9.
When was it established?
02/20/1870.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$746.61M (latest filing).
What is the total interest income (latest filing)?
$12.77M.