Potomac Bank

Potomac Bank of Charles Town, WV, chartered 1870: 9 offices, $980m in assets, a 9.85% leverage ratio. Straight from the federal record.

Potomac Bank is an FDIC-insured community bank headquartered in Charles Town, WV, chartered in 1870. It is supervised by the FDIC and held by Potomac Bancshares Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Potomac Bank has branches

9 full-service offices across 3 states:

• West Virginia: 5 offices in 5 towns, holding $535m at 30 June 2025
• Virginia: 3 offices in 3 towns, holding $232m at 30 June 2025
• Maryland: 1 office, holding $28m at 30 June 2025

Potomac Bank on its latest Call Report, 30 June 2026

• Total assets: $980m
• Total deposits: $848m
• Tier 1 leverage ratio: 9.85%
• Total risk-based capital ratio: 14.06%
• Noncurrent loans, as a share of loans: 0.08%
• Return on assets: 1.40%
• Net interest margin: 3.88%
• Staff: 133

Compare Potomac Bank against every other bank with a branch in West Virginia, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.