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Potomac Bank, Inc.

Charles Town, WV · Cert 9023 · Potomac Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Potomac Bank, Inc.

Charles Town, WV · Cert 9023 · Potomac Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$980.2MAssets
$775.0MLoans
$847.9MDeposits
$95.3MEquity
Loan mix
91%RE $687.2M8%C&I $63.5M0%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $650.9M23%Noninterest $197.0MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.87%Q2 ’254.99%Q2 ’26+7%+7%

Non-interest income vs. expense

2.72%Q2 ’242.75%Q2 ’252.82%Q2 ’26+2%-11%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.2% share · #33 of 71 inst. · $0.7B of $301.4B

30.7% Jefferson
2.7% Loudoun
6.3% Berkeley
0.9% Washington

Executive Summary

  • Earnings: ROA of 1.40%, up 38 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.08% of loans (-24 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 9.85%, down 6 bps from a year ago.
  • Funding: loans stand at 91.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+23 bps YoY

Efficiency Ratio (YTD, annualized)

60.88%-586 bps YoY

Tier 1 Leverage Ratio

9.85%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.03%1.04%1.35%1.40%+38 bps
Return on Equity10.84%10.96%11.08%14.09%14.50%+367 bps
Net Interest Margin3.31%3.32%3.33%3.55%3.55%+23 bps
Efficiency Ratio66.74%66.73%66.96%62.02%60.88%-586 bps
Non-Interest Burden1.96%1.96%1.99%1.77%1.75%-21 bps
Growth
Asset Growth (YoY)10.56%10.41%7.67%9.00%6.63%-393 bps
Loan Growth (YoY)11.52%6.86%6.91%5.81%4.44%-708 bps
Deposit Growth (YoY)7.40%11.16%7.77%9.46%6.66%-74 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.29%0.00%0.03%0.08%-24 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.07%+5 bps
Allowance / Loans0.99%1.02%1.03%1.05%1.02%+3 bps
Allowance Coverage of NPLs3.1x3.5x433.1x31.0x12.6x+9.6x
Capital
Tier 1 Leverage Ratio9.91%9.84%9.71%10.02%9.85%-6 bps
Total Risk-Based Capital13.46%13.74%13.75%13.98%14.06%+60 bps
Equity / Assets9.38%9.25%9.64%9.54%9.72%+34 bps
Liquidity & Funding
Loans / Deposits93.35%88.19%92.78%89.91%91.41%-194 bps
Liquid Assets / Assets7.36%11.99%8.06%9.00%7.65%+29 bps
CRE / Total Capitaln/a421%427%420%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Potomac Bank, Inc.

Charles Town, WV · Cert 9023 · Peer group: banks under $1B in assets (n=573-620) · Potomac Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$980.2MAssets
$775.0MLoans
$847.9MDeposits
$95.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 80% of banks under $1B in assets (rank 124 of 620).
  • Widest gap: net charge-offs / loans trails 69% of banks under $1B in assets (rank 394 of 573).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.38%

Rank 168 of 620

Net Interest Margin

3.55%

Rank 298 of 620

Efficiency Ratio

60.88%

Rank 184 of 620

Equity / Assets

9.72%

Rank 386 of 620

Non-interest income vs. expense

$10.8M$28.4MINCOMEEXPENSE
Unfavorable gap of $17.7M · efficiency ratio beats 70% of banks under $1B in assets
Bank 60.88%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.38%0.60%1.00%1.45%Beats 73%168 / 620
Return on Equity14.17%5.30%9.30%13.29%Beats 80%124 / 620
Net Interest Margin3.55%3.02%3.53%4.04%Beats 52%298 / 620
Efficiency Ratio60.88%58.35%68.08%79.37%Beats 70%184 / 620
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.47%1.27%Beats 76%138 / 573
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 31%394 / 573
Capital
Tier 1 Capital Ratio12.97%11.27%13.87%18.78%Beats 43%353 / 620
Total Risk-Based Capital Ratio14.06%11.69%14.57%19.67%Beats 46%332 / 620
Equity / Assets9.72%9.03%10.60%13.73%Beats 38%386 / 620
Liquidity & Funding
Loans / Deposits91.41%65.08%79.69%92.47%73rd pctl156 / 585
Loans / Assets79.07%51.85%67.17%77.86%79th pctl128 / 620
Brokered Deposits / Depositsn/aNot reported for this institution