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 | |