Potomac Bank (FDIC #9023): Bank Stress & Real-Estate Credit Exposure
Potomac Bank (FDIC Cert #9023): bank stress 64/100, elevated, STABLE over 7 days; parent POTOMAC BANCSHARES INC (PTBS).
Potomac Bank (#9023) lends in 4 counties across 3 states; Potomac Bank (#9023) reaches 60 ZIP codes: West Virginia 2 counties, 19 ZIPs; Maryland 1 county, 21 ZIPs; Virginia 1 county, 21 ZIPs.
Potomac Bank (#9023) largest markets: Washington County, MD (21 branches, 21 ZIPs) (#9023), Loudoun County, VA (63 branches, 21 ZIPs) (#9023), Berkeley County, WV (24 branches, 12 ZIPs) (#9023), Jefferson County, WV (27 branches, 9 ZIPs) (#9023).
Potomac Bank (#9023) reports $980.2 million in total assets; Potomac Bank (#9023) equity $95.3 million (9.7% of Potomac Bank (#9023) assets); Potomac Bank (#9023) domestic deposits $847.9 million; Potomac Bank (#9023) net income $6.7 million; Potomac Bank (#9023) return on assets 1.40%; Potomac Bank (#9023) return on equity 14.50%; Potomac Bank (#9023) net interest income $18.0 million; Potomac Bank (#9023) call report June 30, 2026.
Potomac Bank (#9023) noncurrent real-estate loans: none reported; Potomac Bank (#9023) net charge-offs on real estate 0.02%.
Potomac Bank (#9023) net interest margin 3.88% against an eight-quarter Potomac Bank (#9023) average of 3.60% (Potomac Bank (#9023) compression -0.29 points); Potomac Bank (#9023) rate-exposure score 40/100, Potomac Bank (#9023) fixed-rate trap 40/100; Potomac Bank (#9023) risk type credit driven; Potomac Bank (#9023) rate regime rates elevated; Potomac Bank (#9023) shares 3.0% below the 52-week high, Potomac Bank (#9023) equity trend strong, Potomac Bank (#9023) snapshot October 19, 2026.
Potomac Bank (#9023) stress score moved from 63.7 on June 22, 2026 to 63.6 on October 19, 2026; Potomac Bank (#9023) ranged 63.6 to 63.7 over 116 snapshots.
Potomac Bank (#9023) alerts: 4 counties; top Potomac Bank (#9023) alert scores: Hagerstown County, WV 21 (low); Kearneysville County, WV 21 (low); Martinsburg County, WV 21 (low); Purcellville County, WV 21 (low).