Side-by-side · Q2 2026 data
Potomac Bank vs Jefferson Security Bank
Metric by metric
| Measure | Potomac Bank | Jefferson Security Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 69 |
| Capital cushion | 49 (stronger) | 34 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 76 (stronger) | 60 |
| Funding & liquidity | 59 | 76 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 53rd | 40th |
| Total assets | $980.2M | $566.1M |
| Deposits / shares | $847.9M | $522.5M |
| Capital ratio | 9.85% (stronger) | 8.39% |
| Problem loans | 0.08% | 0.01% (stronger) |
| Net charge-offs | 0.07% | 0.01% (stronger) |
| Return on assets | 1.40% (stronger) | 1.01% |
| Loans ÷ deposits | 90.5% | 78.8% (stronger) |
| Uninsured deposits | 24.5% | 20.2% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 10.6% |
Potomac Bank has the higher TellerScore (73 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Potomac Bank leads on 3 and Jefferson Security Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Charles Town, WV
- Martinsburg, WV