$760M
+5.8%y/y
Percentile by value98th percentileby value
FDIC
LNLSGRPB
Potomac Bank
Charles Town, West VirginiaFDIC Cert #9023
STATEEstablished 18709 branches
Holding company: POTOMAC BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $115M |
| Investor CRE | $217M |
| Multifamily | $38.2M |
| Construction | $37.8M |
| 1–4 family | $272M |
| C&I | $63.5M |
| Agriculture | $7.54M |
| Other | $9.42M |
Loan book
Reported balances and balance-sheet intensity.
$752M
+5.8%y/y
Percentile by value98th percentileby value
FDIC
LNLSNET+5.75%
−38.0%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET89.0%
−3.4%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET + DEP77.1%
−3.0%y/y
Percentile by value78th percentileby value
FDIC
LNLSNET + ASSET93.78%
+0.8%y/y
Percentile by value82nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
278%
+0.7%y/y
Percentile by value84th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC36%
−18.9%y/y
Percentile by value47th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,455points
+2.4%y/y
Peer standing30th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD15.10%
−9.1%y/y
Percentile by value63rd percentileby value
FDIC
LNRENROW + LNLSGR28.58%
+4.2%y/y
Percentile by value87th percentileby value
FDIC
LNRENROT + LNLSGR8.35%
−2.1%y/y
Percentile by value40th percentileby value
FDIC
LNCI + LNLSGR