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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · West Virginia, the state note

Potomac Bank

Charles Town, West Virginia · $980M in assets · beside the 11 other West Virginia banks between $300M and $1B

The filing

276.1%
CRE / capital
12th of 12
38.5%
CRE / loans
11th of 12
91.4%
Loans / deposits
10th of 12

Potomac Bank is the largest of the 12 West Virginia banks nearest its size between $300M and $1B, with $980M in assets at 30 June 2026. Loans are 91.4% of deposits, 10th of 12 against a median of 85.3%, and equity is 9.7% of assets, 7th of 12. Loans grew +4.4% in the year, 8th of 12, and deposits grew 6.7%; the cohort's median loan growth is +6.0%.

Noncurrent loans are 0.08% of the book, 3rd of 12 against a median of 0.36%; 0.41% is 30 to 89 days past due, and the allowance covers them 12.6 times. Commercial real estate is 38.5% of loans, 11th of 12 against a median of 21.0%, and 276% of capital, below the 300% screen, with construction at 38% against the 100% screen.

Return on assets is 1.34%, 3rd of 12 against a median of 1.02%, on an efficiency ratio of 60.9%, 3rd of 12. Five years ago it was 1.13%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenWV banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 157% HC Hancock County Savings Bank FSB 13% HF Huntington FSB 54% CB Citizens Bank of West Va Inc 91% FE First Exchange Bank 137% GC Grant County Bank 137% PV Poca Valley Bank Inc 156% PC Putnam County Bank 158% CB CNB Bank Inc 179% PC Pendleton Community Bank Inc 206% JS Jefferson Security Bank 210% FB Freedom Bank Inc 254% PB Potomac Bank 276%
Loans, year over yearWV banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.0% FB Freedom Bank Inc +148.2% CB Citizens Bank of West Va Inc +13.1% CB CNB Bank Inc +10.6% PC Pendleton Community Bank Inc +10.3% PV Poca Valley Bank Inc +8.0% GC Grant County Bank +6.6% JS Jefferson Security Bank +5.3% PB Potomac Bank +4.4% PC Putnam County Bank +2.3% HF Huntington FSB +1.9% HC Hancock County Savings Bank FSB +1.7% FE First Exchange Bank -0.7%

SBA 7(a), FY2008 to FY2026

Potomac Bank is the 66th largest 7(a) lender into Virginia of 332, with $22M across 70 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $669M). 8 of its 31 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Berkeley, WV$9M1st of 4016.9%-3.3 pts
Loudoun, VA$7M21st of 1341.1%+1.1 pts
Frederick, MD$5M15th of 821.7%thin
Jefferson, WV$3M7th of 337.0%-10.8 pts
Henrico, VA$2M39th of 990.6%-0.6 pts
Franklin, PA$2M13th of 442.2%-10.6 pts
Chesterfield, VA$2M38th of 770.6%-0.8 pts
Fredericksburg City, VA$1M18th of 501.9%thin
Stafford, VA$1M30th of 671.0%thin
Montgomery, MD$1M78th of 1440.1%-0.5 pts
Fauquier, VA$1M18th of 412.1%+5.6 pts
Fairfax, VA$965K109th of 1690.1%thin
Hanover, VA$876K33rd of 610.6%thin
18 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services21$11M25.0%0.03%277th of 1,955
Health care & social assistance16$7M15.6%0.01%478th of 2,172
Manufacturing13$7M15.3%0.02%582nd of 2,246
Accommodation & food services14$4M8.9%0.01%928th of 2,596
Administrative & waste services9$3M8.0%0.02%411th of 1,763
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Potomac Bank
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans PB Potomac Bank 0.3% $22M · 70 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers; owner-occupied excluded; bold marks a screen met
Potomac BankRankCohort median
Total CRE against capital, the 300% screen276%12th of 12157%
Construction against capital, the 100% screen38%6th of 1242%
Construction and land development, share of loans5.4%5th of 125.5%
Non-owner-occupied nonfarm nonresidential, share of loans28.1%11th of 1210.3%
Total CRE, the guidance definition, share of loans38.5%11th of 1221.0%
CRE growth over 36 months, the third prong+17.9%7th of 12+17.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Potomac Bank$980M1.3%60.9%0.08%0.07%1.0%91.4%9.7%
Pendleton Community Bank Inc$850M1.2%63.3%0.85%0.22%0.9%99.0%8.6%
CNB Bank Inc$806M1.0%64.2%0.09%0.00%1.1%89.6%8.5%
Citizens Bank of West Va Inc$772M1.9%47.2%0.58%0.37%1.0%90.0%10.2%
Putnam County Bank$704M1.0%55.6%0.00%-0.03%1.2%72.9%11.8%
Poca Valley Bank Inc$666M0.7%80.6%0.37%0.07%0.6%83.8%6.9%
Jefferson Security Bank$566M1.0%64.2%0.01%0.01%1.1%79.7%6.9%
Huntington FSB$532M-0.4%134.8%0.29%0.02%0.8%69.0%15.6%
Hancock County Savings Bank FSB$508M1.0%65.6%0.63%0.02%1.1%108.2%18.2%
Freedom Bank Inc$430M1.5%62.2%0.36%0.02%1.0%82.3%10.7%
Grant County Bank$407M1.3%64.2%0.91%0.00%1.2%86.8%10.6%
First Exchange Bank$391M0.9%70.1%2.10%-0.03%1.5%82.7%7.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Potomac BankCohort median
20212026Change20212026Change
Loans$518M$775M+50%$295M$442M+50%
Deposits$598M$848M+42%$393M$563M+43%
NPA / loans0.03%0.08%+0.05 pts0.60%0.36%-0.23 pts
Efficiency64.0%60.9%-3.1 pts68.8%64.2%-4.7 pts
ROA1.13%1.34%+0.20 pts0.76%1.02%+0.26 pts

This read was prepared for Potomac Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Potomac Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort WV banks $300M to $1B
Institution www.potomac.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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