Potomac Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Potomac Bank, Inc. is an FDIC-insured commercial bank headquartered in Charles Town, WV, established in 1870 (FDIC certificate 9023), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $980.2M, up 6.6% from Q2 2025, the 5th largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 12.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9023
- Headquarters
- Charles Town, WV
- Established
- 1870
- Total assets, Q2 2026
- $980.2M
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 12.97%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 057001418
- Holding company
- POTOMAC BANCSHARES, INC.
- Asset rank in state
- 5th of 40 in West Virginia
Potomac Bank, Inc. leans heavily on commercial real estate. Based in Charles Town, West Virginia, it had $980 million in assets at June 30, 2026, up 6.6% from a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $3.5 million, 58% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.08% of loans from 0.31%.
As of June 30, 2026, Potomac Bank, Inc. reported a CET1 capital ratio of 12.97%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Potomac Bank, Inc. is the 5th largest of the 40 banks headquartered in West Virginia. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $980.2M, loans rose 1.9% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.4% of total loans, followed by non-owner-occupied commercial real estate loans at 28.1%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities across 3 states; its Charles Town office books 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Potomac Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 E Washington St, Charles Town, WV 25414
- County
- Jefferson
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 20, 1870
- Former names
- Potomac Bank (2025)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $847.9M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $261K
- Average total assets
- $1.01B
- Average total loans
- $770.9M
- Average interest-bearing deposits
- $674.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9023
- Fed RSSD
- 1014125
- SEC CIK
- 925173 → filed by POTOMAC BANCSHARES, INC.
- Website
- www.potomac.bank →
- Parent Holding Company
- POTOMAC BANCSHARES, INC. (RSSD 2234920) · PTBS
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Potomac Bank, Inc.'s total assets ran between $808.6M (Q3 2023) and $980.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$980.2M total assets against $919.2M; $885.0M total liabilities against $833.0M.
$767.1M net loans and leases against $734.7M; $847.9M total deposits against $795.0M.
$96.6M securities against $76.8M; $79.8M cash and balances due against $72.3M.
$13.0M total interest income against $11.4M; $3.7M total interest expense against $3.6M.
$9.3M net interest income against $7.8M.
$2.6M total noninterest income against $1.8M; $7.1M total noninterest expense against $6.5M.
$250K provision for credit losses against $225K.
$3.5M net income against $2.2M.
1.39% return on assets against 0.97%; 3.83% net interest margin against 3.51%.
12.97% CET1 capital ratio against 12.40%; 9.85% tier 1 leverage ratio against 9.91%.
Inside the full Potomac Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Potomac Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,058 of 4,196, for total assets; its furthest is 2,898 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.39% (Q2 2026) and its net interest margin ran from 3.30% (Q3 2024) to 3.83% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 1.39% | 0.08% | 0.61% | 3.83% |
| Q1 2026 | 12.87% | 1.34% | 0.03% | 0.25% | 3.69% |
| Q4 2025 | 12.65% | 1.06% | 0.00% | 0.02% | 3.83% |
| Q3 2025 | 12.66% | 1.05% | 0.29% | 2.22% | 3.62% |
| Q2 2025 | 12.40% | 0.97% | 0.32% | 2.45% | 3.51% |
| Q1 2025 | 12.55% | 1.06% | 0.31% | 2.33% | 3.51% |
| Q4 2024 | 12.52% | 0.94% | 0.39% | 3.07% | 3.43% |
| Q3 2024 | 12.69% | 0.84% | 0.38% | 2.99% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Potomac Bank | Charles Town , WV | 25414 | $342.6M |
| Leesburg Branch | Leesburg , VA | 20175 | $132.6M |
| Purcellville Branch | Purcellville , VA | 20132 | $94.9M |
| Martinsburg Branch | Martinsburg , WV | 25403 | $94.8M |
| Harpers Ferry Branch | Harpers Ferry , WV | 25425 | $52.1M |
| Hedgesville Branch | Hedgesville , WV | 25427 | $41.5M |
| Hagerstown Branch | Hagerstown , MD | 21740 | $30.4M |
| Middleburg Branch | Middleburg , VA | 20117 | $30.0M |
| Kearneysville Branch | Kearneysville , WV | 25430 | $29.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1983 | M&A | Acquired Bank of Harpers Ferry merger for the acquired bank | SEC |
| October 1, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1983 | Structure Change | Acquired Bank of Harpers Ferry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.2% of deposits in WV, rank 16 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 247 applications, 187 loans originated, $77.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $9.6M approved, $531K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Potomac Bank, Inc.
What are Potomac Bank, Inc.'s total assets?
As of the Q2 2026 filing, Potomac Bank, Inc. reported total assets of $980.2 million in its FFIEC call report.
Where is Potomac Bank, Inc. headquartered?
It is headquartered in Charles Town, WV, United States.
When was Potomac Bank, Inc. founded?
It was established in 1870, per the FDIC institution directory.
Is Potomac Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9023). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Potomac Bank, Inc.?
Potomac Bank, Inc.'s primary federal regulator is the FDIC.
What is Potomac Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Potomac Bank, Inc. operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Potomac Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Potomac Bank, Inc. previously called?
The charter now named Potomac Bank, Inc. has also operated as Potomac Bank (2025), per FDIC structure-change records.
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