Potomac Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Potomac Bank, Inc. of Charles Town, WV against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 14.91% | 12.05% | +2.86% | 65th above |
| Net Interest Margin | 3.83% | 3.90% | -0.07% | 44th below |
| Efficiency Ratio | 59.69% | 63.15% | -3.46% | 55th above |
| PPNR / Avg Assets | 1.90% | 1.64% | +0.26% | 68th above |
| Yield on Earning Assets | 5.33% | 5.65% | -0.32% | 37th below |
| Cost of Funds | 1.64% | 1.85% | -0.21% | 60th above |
| Net Interest Spread | 3.18% | 3.35% | -0.17% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.92% | -0.79% | 70th above |
| NPA / Total Assets | 0.10% | 0.67% | -0.57% | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 793.80% | 1645.50% | -851.70% | 79th top |
| Texas Ratio | 1.09% | 7.15% | -6.06% | 71st above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 154.41% | 1189.83% | -1035.42% | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.97% | 20.83% | -7.86% | 28th below |
| Tier 1 Ratio | 12.97% | 20.87% | -7.90% | 27th below |
| Total Capital Ratio | 14.06% | 21.94% | -7.88% | 27th below |
| Leverage Ratio | 9.85% | 12.46% | -2.61% | 28th below |
| Equity / Assets | 9.72% | 11.67% | -1.95% | 40th below |
| TCE / Tangible Assets | 9.72% | 11.40% | -1.68% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.41% | 78.64% | +12.77% | 25th below |
| Core Deposit Ratio | 94.01% | 87.09% | +6.92% | 79th top |
| Wholesale Funding Ratio | 3.13% | 5.11% | -1.98% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.63% | 6.47% | +0.16% | 67th above |
| Loan Growth (Y/Y) | 4.44% | 7.64% | -3.20% | 45th below |
| Deposit Growth (Y/Y) | 6.66% | 6.02% | +0.64% | 68th above |
See Potomac Bank, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Potomac Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Potomac Bank, Inc. profile, how to read a UBPR, or how this data updates.