Potomac Bancshares, Inc.

Potomac Bancshares, Inc. is a bank holding company headquartered in Charles Town, West Virginia. The company operates primarily through its wholly-owned subsidiary, Potomac Bank, which was formerly known as Bank of Charles Town until its renaming on November 3, 2025. Potomac Bank's mission is to provide high-quality, profitable community banking and related financial services, focusing on client service, fair employment, community participation, and maximizing shareholder returns through earnings and dividends.

The bank offers a comprehensive suite of financial products and services for individuals, businesses, and local governments. These include checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. Lending services encompass personal loans, commercial loans (including real estate, construction, and agricultural loans), and government contractor loans. Potomac Bank also provides wealth management, trust and estate services, financial planning, and brokerage and investment products through its BCT Wealth Advisors and BCT Investments divisions. The bank is recognized as a Small Business Administration (SBA) Preferred Lender.

Potomac Bancshares, Inc. is publicly traded on the OTCID marketplace under the ticker symbol PTBS. As of December 31, 2026, the company reported total assets of $944 million. Recent financial highlights include a 28% increase in net income for the first quarter of 2026, reaching $3.0 million, and a 15% increase in its quarterly cash dividend to $0.15 per share in April 2026. The bank operates a network of nine full-service offices and two loan production offices across the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia, with plans for further expansion into the Winchester-Frederick County, Virginia market in the second quarter of 2026. Alice P. Frazier serves as the President and CEO.