Charles Town, WV · Cert 9023 · Potomac Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
55
Profitability
68
Liquidity
53
Efficiency
70
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.
Charles Town, WV · Cert 9023 · Potomac Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 0.2% share · #33 of 71 inst. · $0.7B of $301.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.86% | 1.06% | 1.02% | 1.03% | 1.04% | 1.35% | 1.40% | +38 bps | |
| Return on Equity | 9.04% | 9.35% | 11.29% | 10.84% | 10.96% | 11.08% | 14.09% | 14.50% | +367 bps | |
| Net Interest Margin | 3.03% | 3.11% | 3.36% | 3.31% | 3.32% | 3.33% | 3.55% | 3.55% | +23 bps | |
| Efficiency Ratio | 69.81% | 69.04% | 65.76% | 66.74% | 66.73% | 66.96% | 62.02% | 60.88% | -586 bps | |
| Non-Interest Burden | 1.90% | 1.91% | 1.94% | 1.96% | 1.96% | 1.99% | 1.77% | 1.75% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.63% | 5.58% | 4.75% | 10.56% | 10.41% | 7.67% | 9.00% | 6.63% | -393 bps | |
| Loan Growth (YoY) | 5.37% | 8.22% | 9.23% | 11.52% | 6.86% | 6.91% | 5.81% | 4.44% | -708 bps | |
| Deposit Growth (YoY) | 3.93% | 1.98% | 1.24% | 7.40% | 11.16% | 7.77% | 9.46% | 6.66% | -74 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.39% | 0.31% | 0.32% | 0.29% | 0.00% | 0.03% | 0.08% | -24 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.07% | +5 bps | |
| Allowance / Loans | 1.03% | 0.99% | 1.00% | 0.99% | 1.02% | 1.03% | 1.05% | 1.02% | +3 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.5x | 3.2x | 3.1x | 3.5x | 433.1x | 31.0x | 12.6x | +9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.92% | 10.06% | 9.91% | 9.84% | 9.71% | 10.02% | 9.85% | -6 bps | |
| Total Risk-Based Capital | 13.79% | 13.57% | 13.61% | 13.46% | 13.74% | 13.75% | 13.98% | 14.06% | +60 bps | |
| Equity / Assets | 9.32% | 9.38% | 9.46% | 9.38% | 9.25% | 9.64% | 9.54% | 9.72% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.74% | 93.52% | 93.02% | 93.35% | 88.19% | 92.78% | 89.91% | 91.41% | -194 bps | |
| Liquid Assets / Assets | 7.74% | 6.81% | 7.47% | 7.36% | 11.99% | 8.06% | 9.00% | 7.65% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 421% | 427% | 420% | n/a | n/a | |
Charles Town, WV · Cert 9023 · Peer group: banks under $1B in assets (n=581-629) · Potomac Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.38%
Rank 173 of 629
Net Interest Margin
3.55%
Rank 307 of 629
Efficiency Ratio
60.88%
Rank 190 of 629
Equity / Assets
9.72%
Rank 403 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.60% | 1.01% | 1.45% | Beats 72% | 173 / 629 | ||
| Return on Equity | 14.17% | 5.38% | 9.30% | 13.28% | Beats 80% | 126 / 629 | ||
| Net Interest Margin | 3.55% | 3.03% | 3.54% | 4.05% | Beats 51% | 307 / 629 | ||
| Efficiency Ratio | 60.88% | 58.35% | 67.79% | 79.08% | Beats 70% | 190 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 77% | 137 / 581 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 33% | 392 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.97% | 11.24% | 13.84% | 18.77% | Beats 43% | 356 / 629 | ||
| Total Risk-Based Capital Ratio | 14.06% | 11.58% | 14.43% | 19.66% | Beats 47% | 335 / 629 | ||
| Equity / Assets | 9.72% | 9.09% | 10.65% | 13.80% | Beats 36% | 403 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.41% | 67.24% | 80.90% | 93.48% | 72nd pctl | 168 / 594 | ||
| Loans / Assets | 79.07% | 53.31% | 67.71% | 78.15% | 78th pctl | 137 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||