Potomac Bancshares Charts Growth Path with New Brand, Record Profits

CHARLES TOWN, WV – February 10, 2026 – In a clear signal of its strategic ambitions, Potomac Bancshares, Inc. (OTCID: PTBS) recently stepped onto a national stage, presenting its growth story to a select audience of investors and industry leaders. The company’s participation in the Brean Capital CEO Forum on February 4-5 marks a pivotal moment for the newly rebranded institution as it leverages a year of record financial performance to fuel its expansion across the Mid-Atlantic region.

President and CEO Alice Frazier and CFO Shane Bell represented the company at the exclusive forum, an environment designed to foster high-level dialogue between banking executives and the investment community. This move underscores a deliberate strategy to enhance visibility and attract capital, positioning the bank for its next chapter of growth.

A Strategic Pitch to the Investment Community

Participation in the Brean Capital CEO Forum is more than a routine conference appearance; it is a strategic maneuver. Brean Capital is an influential independent investment firm, and its forums are key venues where executives from leading financial organizations connect with institutional investors, analysts, and peers. For Potomac Bancshares, the invitation provided a platform to articulate its value proposition following a transformative year.

The presentation delivered by Frazier and Bell was not just an update but a narrative of evolution and opportunity. By engaging directly with this audience, the bank aimed to highlight its strategic initiatives and robust financial health, moving beyond its historical identity as a local West Virginia bank to that of a dynamic regional player. This engagement is crucial for a company traded on the OTCID marketplace as it seeks to broaden its investor base and increase liquidity for its stock, PTBS. The dialogue at such events helps shape market perception and can be instrumental in securing the capital needed for future strategic moves, whether through organic growth or potential acquisitions.

Backed by a Year of Unprecedented Financial Strength

The story Potomac Bancshares presented to investors is powerfully supported by its recent financial results. The company closed 2025 with a record net income of $9.0 million, a remarkable 31% increase from the $6.8 million reported in 2024. This performance translated to earnings of $2.16 per share, a significant jump from $1.65 per share the previous year.

The fourth quarter of 2025 continued this positive trend, with net income reaching $2.4 million. Key performance indicators underscore the bank's operational efficiency and profitability, including a return on average assets (ROA) of 0.97% and a return on average equity (ROE) of 11.51%. The bank's net interest income grew by 9% over the previous quarter, driven by an expanding asset base and an improved net interest margin. As of December 31, 2025, total assets stood at approximately $944 million, with total shareholders' equity growing 12% year-over-year to $82.4 million.

In a tangible sign of confidence in its financial stability and future prospects, the company also declared a quarterly cash dividend of $0.13 per share. This strong financial footing, combined with industry accolades like being named one of American Banker's "Best Banks to Work For" for a sixth time, provides a compelling foundation for its investor outreach.

From Local Legacy to Regional Identity

A cornerstone of the company's recent evolution was its strategic rebranding on November 3, 2025. The institution, founded in 1871 as Bank of Charles Town, officially became Potomac Bank. This was not merely a cosmetic change but a deliberate move to reflect its expanded geographic footprint, which now includes nine branches and two loan production offices serving communities across West Virginia's eastern panhandle, Maryland's Washington County, and northern Virginia.

The name "Potomac Bank" was chosen to unify the diverse communities it serves, all connected by the Potomac River. The change aligns the bank's public-facing brand with its holding company, Potomac Bancshares, Inc., which was established decades ago with foresight for such regional expansion. While embracing a new name, the bank has been careful to honor its deep-rooted legacy. It retained its iconic tree logo and adopted the new tagline, "Community Takes Root Here," reinforcing its ongoing commitment to local decision-making and community support.

This balance of honoring a 150-year heritage while positioning for future growth is critical. The rebranding allows the bank to present a cohesive identity to customers and investors across its entire market, signaling its transformation from a single-town bank to a significant regional financial institution.

Navigating a Competitive Mid-Atlantic Market

Potomac Bank's strategic initiatives are unfolding within a dynamic and competitive regional banking landscape. The Mid-Atlantic market, like the national one, saw a rise in bank mergers and acquisitions in 2025, indicating a trend toward consolidation. In this environment, regional banks must differentiate themselves to compete with large national players and nimble fintech startups.

Potomac Bank appears to be navigating this terrain by focusing on its core strengths while adapting to market trends. Its status as an SBA Preferred Lender is a key differentiator, cementing its role in supporting small businesses and local economic development. Furthermore, its comprehensive suite of services—spanning consumer and commercial banking, wealth management, and residential lending—allows it to serve a wide range of customer needs.

The bank's proactive investor engagement and focus on financial discipline are well-timed. With economic forecasts predicting moderation in 2026, banks with strong capital bases, diversified income streams, and clear growth strategies are best positioned for success. By taking its story of transformation, financial health, and community commitment to a wider audience, Potomac Bancshares is not just reacting to the market; it is actively shaping its own future as a formidable competitor in the Mid-Atlantic region.