Potomac Bank (FDIC certificate #9023) is based in Charles Town, West Virginia. Its Q2 2026 call report shows $980.2M in total assets and $847.9M in deposits and 9 offices across 3 states.
Based on its Q2 2026 filing, Potomac Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 16th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is capital cushion (49/100; 9.85%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (68 → 73), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 70 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 9.67% |
| Q4 2024 | 9.92% |
| Q1 2025 | 10.06% |
| Q2 2025 | 9.91% |
| Q3 2025 | 9.84% |
| Q4 2025 | 9.71% |
| Q1 2026 | 10.02% |
| Q2 2026 | 9.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $980.2M | 9.85% | 0.08% | 1.40% | 90.5% |
| Q1 2026 | 74 | $975.4M | 10.02% | 0.03% | 1.35% | 89.0% |
| Q4 2025 | 70 | $943.0M | 9.71% | 0.00% | 1.04% | 91.8% |
| Q3 2025 | 68 | $960.9M | 9.84% | 0.29% | 1.03% | 87.3% |
| Q2 2025 | 68 | $919.2M | 9.91% | 0.32% | 1.02% | 92.4% |
| Q1 2025 | 69 | $894.9M | 10.06% | 0.31% | 1.06% | 92.1% |
| Q4 2024 | 66 | $875.9M | 9.92% | 0.39% | 0.86% | 92.6% |
| Q3 2024 | 65 | $870.3M | 9.67% | 0.38% | 0.83% | 90.8% |
| Q2 2024 | 65 | $831.4M | 9.99% | 0.45% | 0.81% | 89.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pendleton Community Bank, Inc.Bank Franklin, WV | 61 out of 100, Moderate | $849.7M | 8.7% | 0.85% | vs |
| CNB Bank, Inc.Bank Berkeley Springs, WV | 70 out of 100, Strong | $805.7M | 9.5% | 0.09% | vs |
| Citizens Bank of West Virginia, Inc.Bank Elkins, WV | 74 out of 100, Strong | $772.5M | 10.0% | 0.58% | vs |
| Putnam County BankBank Hurricane, WV | 80 out of 100, Strong | $704.2M | 12.3% | 0.00% | vs |
| The Poca Valley Bank, Inc.Bank Walton, WV | 61 out of 100, Moderate | $666.2M | 7.8% | 0.37% | vs |
| Jefferson Security BankBank Shepherdstown, WV | 69 out of 100, Moderate | $566.1M | 8.4% | 0.01% | vs |
Deposit insurance
Is my money safe at Potomac Bank?
Yes. Potomac Bank is an FDIC-insured institution (FDIC certificate #9023). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($207.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.06% (benchmark: 10%).
9 locations
Branches
Potomac Bank lists 9 offices in 9 cities across 3 states. Most locations:
- Charles Town, WV (1)
- Hagerstown, MD (1)
- Harpers Ferry, WV (1)
- Hedgesville, WV (1)
- Kearneysville, WV (1)
- Leesburg, VA (1)
- Martinsburg, WV (1)
- Middleburg, VA (1)
- Purcellville, VA (1)
HMDA 2025
Mortgage lending
In 2025, Potomac Bank reported 247 home-loan applications under HMDA (LEI 549300ODM8A5T4RHPY32): 187 originated ($77,185,000 total), 16 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Potomac Bank
- Former names
- Bank of Charles Town; The Bank of Charles Town
- Type
- State-chartered bank
- FDIC certificate #
- 9023
- RSSD ID
- 1014125
- Primary regulator
- FDIC
- Holding company
- Potomac Bancshares Inc
- Established
- February 20, 1870
- Headquarters
- 111 E Washington St, Charles Town, WV 25414
- Website
- www.potomac.bank
- Employees
- 133
Quick answers
Potomac Bank: common questions
Is Potomac Bank FDIC insured?
Yes. Potomac Bank is an FDIC-insured institution (FDIC certificate #9023). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Potomac Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Potomac Bank ever failed?
There is no failure record for FDIC certificate #9023 in the FDIC failed bank list.
How many branches does Potomac Bank have?
9 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Charles Town
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV | 92 out of 100, Very strong | $17.1M | 13.9% | 0.32% | vs |
| Washington County Teachers Federal Credit UnionCredit union Hagerstown, MD | 92 out of 100, Very strong | $96.5M | 15.3% | 0.15% | vs |
| Midway Federal Credit UnionCredit union Berryville, VA | 85 out of 100, Very strong | $9.7M | 23.6% | 0.00% | vs |
| Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV | 83 out of 100, Strong | $18.8M | 12.2% | 0.16% | vs |
| Virginia National BankBank Charlottesville, VA | 83 out of 100, Strong | $1.6B | 13.2% | 0.47% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |