BlastPoint's Banking Scorecard
Potomac Bank
Charles Town, WV
9 branches across WV · VA · MD
Potomac Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36.3% in tier
- + ROA 0.08% above tier average
- + Efficiency Ratio 3.26% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$975.4M
+9.0% YoY
+3.4% QoQ
|
+$589.3M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
Top 0.6% in tier |
| Total Loans ? |
$752.3M
+5.8% YoY
+0.8% QoQ
|
+$496.6M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Top 1.1% in tier |
| Total Deposits ? |
$845.6M
+9.5% YoY
+4.0% QoQ
|
+$517.7M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
Top 0.9% in tier |
| Return on Assets ? |
1.35%
+27.0% YoY
+29.4% QoQ
|
+0.08% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.75%
+5.7% YoY
+1.4% QoQ
|
-0.18% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
62.02%
-5.7% YoY
-7.4% QoQ
|
-3.26% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.03%
-89.2% YoY
|
-0.85% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
88.96%
-3.4% YoY
-3.1% QoQ
|
+12.33% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
22.23%
-7.8% YoY
-1.5% QoQ
|
+0.21% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.03%
-89.5% YoY
|
-0.61% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
12.87%
+2.6% YoY
+1.7% QoQ
|
-2.96% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.29%
+41.0% YoY
-63.9% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
Top 7.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.