Potomac Bank, Inc.
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
$980.2MAssets
$775.0MLoans
$847.9MDeposits
$95.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 80% of banks under $1B in assets (rank 126 of 629).
- Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets (rank 392 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $17.7M · efficiency ratio beats 70% of banks under $1B in assets | 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 |