POTOMAC BANCSHARES INC is the bank holding company. BANK OF CHARLES TOWN is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

POTOMAC BANCSHARES INC

Legal name: POTOMAC BANCSHARES, INC.

1 active bank · $975M combined assets

RSSD ID: 2234920 (FFIEC NIC)

Combined Assets

$975M

CRA Rating Summary

Outstanding1charter

Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankBANK OF CHARLES TOWNCHARLES TOWN, WVOutstanding$975MView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$975M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$846M

Net Income

$3M

ROA (avg)

1.35%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

239

Origination Rate

76.57%

Denial Rate

7.95%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
BANK OF CHARLES TOWN	CHARLES TOWN, WV	FDIC	$975M	100.0%	Outstanding	Jul 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.