# POTOMAC BANK
CHARLES TOWN, WV · FDIC certificate 9023 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $980.2M | |
| Deposits | $847.9M | |
| Loans and leases | $775.0M | |
| Total equity | $95.3M | |
| Loans / deposits | 90.47% (p72 of band) | 82.04% |
| Liquid assets / assets | 18.00% (p25 of band) | |
| Uninsured deposits / deposits | 24.47% (p44 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.13% (p48 of band) | |
| FHLB advances / assets | 2.75% | |
| Tier 1 leverage | 9.85% (p30 of band) | 10.81% |
| Unrealized securities loss / equity | -6.06% (p57 of band) | -8.10% |
| AOCI / equity | -0.78% (p31 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 3.88% (p48 of band) | 3.91% |
| Efficiency ratio | 60.88% (p48 of band) | |
| Noncurrent loans | 0.08% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p77 of band) | |
| Reserve coverage of noncurrent | 1264.01% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 43.66% (p50 of band) | |
| Auto loans | $1.6M (0.21% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $770,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 133 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | losing money, charge-offs p90 | reserve under noncurrent |
| 2011-12 | 3 | reserve under noncurrent |  |
| 2012-03 | 1 |  | losing money, charge-offs p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 3 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | liquid assets <10% |  |
| 2017-03 | 0 |  | capital falling, liquid assets <10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 0 |  | charge-offs p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Potomac Bank Residential Lending Expands with Addition of Gail Moxley, Senior Vice President, Senior Mortgage Loan Officer - Morningstar](https://news.google.com/rss/articles/CBMijgJBVV95cUxNSUNnd2t6VjFzNVlTdllwTklNVFBubVZhelJvV1pMRE4wb0JfeFEwMFZMbG1wbjVaaW5KSEdOd0lKRE1QM2tLWDkwQjlGRE9oZ0REYVZjVGNRbHFtMmxQVDBuS2ZIX3NVUkttZjJ3VVdTTnQxLXJtNFljeUk1dWFzcm9nWWkyMXNOMy1uYlFyaGZoNncxZlRLQ05DVTJVZzY4VmJJM1dhbnhndXlKdGNZU05jOEJtNFhzTnVxOXg2dVdEMFM4bXZzUnFXSUNmM1Q5YVlUWGlCemxBNUJ6LUtNSU9hb0g1NVlyTTd1bnlHZGtScjZMSlpZckR4c0E3LXJKREdTdlNhTFdpSTg4aEE?oc=5) · Morningstar
- 2026-07-27 [Potomac Bank Residential Adds Moxley as Senior Vice President, Senior Mortgage Loan Officer - ABF Journal](https://news.google.com/rss/articles/CBMiugFBVV95cUxOMm03cEYxMURCRmM0V1cydjE2OWoyMGFKTUI0a3VNZVBZWTRUa1ZQSFRFd2kzNW1YaTlPNFR4T2t6Y29VTkl6N20xRzFMZ3BKYVFJTnl0UDAzNmNQMXdGa3YxZ1FJRUU3ai1RUWFvc0ptM1RBY2lCTGlUWU9Zdmo4Q1N2TjNlVEdNUV9GVnBkblNIMHREMkRpWGQ3TXpQeUV2VlNzOUZvV1diUGY4QlNoNlFFdE5VRS1ISHc?oc=5) · ABF Journal
- 2026-08-12 [Potomac Bank Voted 2026 Loudoun's Favorite in Multiple Categories - PR Newswire](https://news.google.com/rss/articles/CBMivAFBVV95cUxQNDFheTVqZi1CUkxsZVNOb3R4TnBSY1gyVjdPNkRYU3lzY3liRldWODVVOG96dS1aUjRqejhhc0RrODZJd0V5TEZlWHp1TlNPOUYycUFUN1lNeDUzVFFEdVJVSS1PZV9kQ1NReDN1aXlibUxBekdkRUNrc2U4SWhZUW04SW5xNWhZSkx3eHpldWRJMHhyVlRTajFRM2dDWVpHVC1GbFpyMmlndXZRdUFQa1NwdlZ6Mkt2MjFNSg?oc=5) · PR Newswire
- 2026-06-15 [Notices & Legals - The Winchester Star](https://news.google.com/rss/articles/CBMizgFBVV95cUxQZjZQX1JVcVVSRm9xTEFEZUtKZTBFSjVaZ09PeWJvaklsTmFFM3ZGTkVpZzhUQ1FJYmQ1UVVnTEdwYTBGQUY5QjhwQ19VLUtIY0dzdzFNS2MwS1FBaE9hR1BCa25wRFZMM3BleUMwNFRzMzY5UXV6bkdJWVh4bFEzVi1rTmJSSDlBYnhDTjlUaUJ0d1RiZllnSW1lUWZ1SXVSdElXLXZNcmJHNFBVd3Y1SmF0YjVxQnJmVEh4WFRaXzNFcE9acW1pLXRPZ1V1dw?oc=5) · The Winchester Star
- 2026-08-12 [Potomac Bank wins top honors in five financial categories in Loudoun's Favorites 2026 poll. - Pluang](https://news.google.com/rss/articles/CBMif0FVX3lxTE9qelVxeS1zcy1IWGVCYU11QVhYcXVFdFFRNlUxazNyQWRRdnpfVHB5alQ1TXZLWkxVZkJxQmY4aUxNb3hrdjNLMGhfQ0hVdDFqUkdCNDI4Tlh1ZG1ZOTFEMlJEYkVpWHNyVjZERHZRNm50a1UzZ1pwUWNTeUluS2M?oc=5) · Pluang
- 2026-05-19 [Potomac Bank Hires Scott Moore to Lead Winchester Market Expansion - citybiz.co](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVENjX01nSXFhaEcxMjlDQ25tbll0RlNQSWwteXZ4emxPeG5SWDkyaXpHd2RGSTZsMk95RXoyNnhGaG1FLTBLZERzWEdZNjU5dHgwRkxTWlZIc3psTDZZU3FtYjVlVU52dnRCYUJYeFNkNklFZm9SU0ltYXE5ckczWkFSX1FpWFpXTUlUZEE0UlRKaDV5QUFrY3RCeGpMV2F2WjB4X1ctd0U?oc=5) · citybiz.co
- 2026-04-28 [Potomac Bank Appoints Brian J. Hester as Vice President, Commercial Relationship Manager - Yahoo Finance](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUG5GaF9hbWw3X1BUWGJmZE0wc1dDYTJDZ2pMajN0OF9BMHJSRlBBMzF4MUQtWjIwLWgtWGFsY1ByeGRTQlpTV0czLUFyLVA1WktEUzZWYWd3MnZuWVAydlhrU1JsaURONzUzWjhId2FHUXJRd0Q2cXVmdjIyWTlXSTBsOEhoUHJrUGoxNDFSSlFTRnVQM0RJR1Vn?oc=5) · Yahoo Finance
- 2026-04-22 [Potomac Bancshares Declares 15% Dividend Increase - loudounnow.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPaEZ4U0RmNkxwZjhGcmNtVkx3WjZNNkxUVWNMWHg2TzJTUFFXN3h6Z1h5Z3JWVE91UkJXa2RrUmtyZ0o5ZzFiX3lleTI2SlgwX0czWUUwdzZpaFNOajBMUHVwVGRlU2xDdkNXRUJtdVFXM3ZPQVp6YmVCb1pURE14T2psTnUyTGh5dXp6elRHaC1UZ1A2V0hvX2lDeENhM0l3VW9IWllpbFFqZHZpMUg3WFdrN1cyeG1DN0dsT0VXVEF3cU95Wi1vYk1FZVVIWkU?oc=5) · loudounnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9023 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "9023", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide