Side-by-side · Q2 2026 data
Potomac Bank vs City National Bank of West Virginia
Metric by metric
| Measure | Potomac Bank | City National Bank of West Virginia |
|---|---|---|
| TellerScore | 73 | 78 (stronger) |
| Capital cushion | 49 (stronger) | 46 |
| Loan quality | 97 (stronger) | 93 |
| Earnings | 76 | 98 (stronger) |
| Funding & liquidity | 59 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 53rd | 86th |
| Total assets | $980.2M | $6.8B |
| Deposits / shares | $847.9M | $5.4B |
| Capital ratio | 9.85% (stronger) | 9.65% |
| Problem loans | 0.08% (stronger) | 0.22% |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 1.40% | 1.96% (stronger) |
| Loans ÷ deposits | 90.5% | 82.7% (stronger) |
| Uninsured deposits | 24.5% | 16.7% (stronger) |
| Offices | 9 | 95 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 27.3% |
City National Bank of West Virginia has the higher TellerScore (78 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Potomac Bank leads on 2 and City National Bank of West Virginia on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Martinsburg, WV
- Charles Town, WV