Potomac Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 87.5% higher than in Q1 2026, at $3.3M. Potomac Bank, Inc. ranks 8th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 91.41% (Q2 2026). Potomac Bank, Inc. reported 91.41% on loan-to-deposit ratio for Q2 2026, 10.57 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $775.0M |
| Net loans and leases | $767.1M |
| Loans held for sale | $3.3M |
| Loans to total assets | 79.07% |
| Loan-to-deposit ratio | 91.41% |
| Net loans to equity capital | 8.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.89% |
| Multifamily (5+ residential) | 5.02% |
| Commercial and industrial | 8.12% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 0.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 277.44% |
| Construction concentration (Tier 1 capital + allowance) | 38.62% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.74% |
| Interest income on loans | $11.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $652.8M | $721.5M | 48.30% | 5.31% | 0.60% |
| Q4 2023 | $652.0M | $739.8M | 47.69% | 5.30% | 0.57% |
| Q1 2024 | $657.8M | $763.0M | 48.58% | 5.14% | 0.51% |
| Q2 2024 | $665.5M | $740.2M | 47.20% | 6.23% | 0.49% |
| Q3 2024 | $687.9M | $749.8M | 45.72% | 7.26% | 0.44% |
| Q4 2024 | $705.6M | $754.5M | 45.29% | 7.68% | 0.41% |
| Q1 2025 | $718.6M | $772.5M | 44.03% | 8.54% | 0.40% |
| Q2 2025 | $742.1M | $795.0M | 42.64% | 8.59% | 0.39% |
| Q3 2025 | $735.1M | $833.5M | 41.53% | 9.11% | 0.39% |
| Q4 2025 | $754.4M | $813.1M | 42.37% | 9.56% | 0.37% |
| Q1 2026 | $760.3M | $845.6M | 43.67% | 8.35% | 0.38% |
| Q2 2026 | $775.0M | $847.9M | 43.89% | 8.12% | 0.37% |
Potomac Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Potomac Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Potomac Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9023) · FFIEC NIC profile (RSSD 1014125)