Potomac Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2308.15 percentage points lower than in Q1 2026, at 793.80%. Within West Virginia, Potomac Bank, Inc. is 12th of 41 on return on assets, 1.39% as of Q2 2026, above the middle of the field. Potomac Bank, Inc. reported 1.39% on return on assets for Q2 2026, 0.14 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.97% |
| Tier 1 risk-based capital ratio | 12.97% |
| Total risk-based capital ratio | 14.06% |
| Tier 1 leverage ratio | 9.85% |
| Equity capital to assets | 9.72% |
| Tangible equity to tangible assets | 9.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 1.09% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 793.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 14.91% |
| Net interest margin | 3.83% |
| Efficiency ratio | 59.69% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Core deposits to total deposits | 94.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.50% |
| Securities to assets | 9.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.63% | 12.63% | 13.72% | 9.93% | 0.90% |
| Q4 2023 | 12.89% | 12.89% | 13.97% | 9.77% | 0.87% |
| Q1 2024 | 12.88% | 12.88% | 13.97% | 9.98% | 0.88% |
| Q2 2024 | 12.87% | 12.87% | 13.96% | 9.99% | 0.73% |
| Q3 2024 | 12.69% | 12.69% | 13.79% | 9.67% | 0.84% |
| Q4 2024 | 12.52% | 12.52% | 13.57% | 9.92% | 0.94% |
| Q1 2025 | 12.55% | 12.55% | 13.61% | 10.06% | 1.06% |
| Q2 2025 | 12.40% | 12.40% | 13.46% | 9.91% | 0.97% |
| Q3 2025 | 12.66% | 12.66% | 13.74% | 9.84% | 1.05% |
| Q4 2025 | 12.65% | 12.65% | 13.75% | 9.71% | 1.06% |
| Q1 2026 | 12.87% | 12.87% | 13.98% | 10.02% | 1.34% |
| Q2 2026 | 12.97% | 12.97% | 14.06% | 9.85% | 1.39% |
Potomac Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Potomac Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)