Advertisement
Potomac Bank
Charles Town, WV · FDIC Certificate #9023 · Chartered 02/2
Total assets
$980.21M
Total deposits
$847.91M
Total equity
$95.25M
Net loans
$767.10M
Branches (offices)
9
Net income (YTD)
$6.75M
Rank: #1,066 of 4,213 U.S. banks by assets · #5 of 41 in West Virginia. Assets changed 6.6% and deposits 6.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 14.50% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 9.72% |
| Tier 1 leverage ratio | 9.85% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $702.05M | 91.5% | |
| Commercial & industrial | $62.97M | 8.2% | |
| Consumer / individual | $2.83M | 0.4% | |
| Construction & development | $41.59M | 5.4% | |
| Agricultural | $101.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $739.07M | $663.19M | $3.60M | $66.78M |
| Jun 2023 | $793.06M | $706.76M | $4.14M | $71.19M |
| Jun 2024 | $831.44M | $740.18M | $3.40M | $78.08M |
| Jun 2025 | $919.25M | $794.98M | $4.57M | $86.20M |
| Jun 2026 | $980.21M | $847.91M | $6.75M | $95.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $559.97M | 5 |
| Virginia | $257.55M | 3 |
| Maryland | $30.39M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $847.91M.
Similar-sized banks
Community First Bank Of Indiana ($980.30M) · Btg Pactual Bank, National Association ($978.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement