Potomac Bancshares, Inc. is a financial holding company that provides commercial and retail banking services through its principal subsidiary, Bank of Charles Town. Headquartered in Charles Town, West Virginia, the company offers a full suite of deposit products, lending solutions and treasury management services designed to meet the needs of individuals, small businesses and commercial clients. As an OTC-traded company (OTCMKTS: PTBS), Potomac Bancshares focuses on maintaining strong local relationships while leveraging digital channels to enhance customer convenience.
Core products and services include checking and savings accounts, money market and certificate of deposit offerings, as well as consumer and business loans. The company’s lending portfolio spans residential mortgages, construction financing, commercial real estate and equipment loans. Additional services such as online and mobile banking, remote deposit capture and merchant services support the day-to-day financial needs of its clients.
Founded in the late 19th century, Potomac Bancshares has grown from a single community bank into a regional institution serving communities across the Eastern Panhandle of West Virginia and neighboring markets in Maryland and Virginia. Through a combination of organic growth and selective branch acquisitions, the company has established a network of full-service branches, ATMs and digital platforms that reflect its commitment to local markets.
Governed by an experienced board of directors and led by a seasoned executive team with deep ties to the region, Potomac Bancshares emphasizes prudent risk management, personalized service and community engagement. The leadership group leverages decades of banking experience to support strategic initiatives aimed at expanding market share, enhancing product offerings and driving sustainable growth.
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