POTOMAC BANK, INC.

CHARLES TOWN, WV | Medium | Est. Feb. 20, 1870, midnight | FDIC #9023 | RSSD #1014125 | FDIC
Latest Report: 2025-12-31

POTOMAC BANK, INC. is amn medium FDIC-insured commercial bank headquartered in CHARLES TOWN, WV, established in Feb. 20, 1870, midnight. As of 2025-12-31, the bank reported total assets of $943M and total deposits of $813M. Profitability stands at 1.08% ROA and 11.41% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 12.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9023.

Assets

$943M

Deposits

$813M

Loans

$754M

Equity

$91M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 11.41%
Net Interest Margin (NIM) 4.11%
Yield on Assets 5.83%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 12.65%
Tier 1 Capital 12.65%
Total Capital Ratio 13.75%
Leverage Ratio 9.71%
Loan-to-Deposit 92.78%

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