BlastPoint's Banking Scorecard

Potomac Bank

$100M-$1B Specialty: Commercial WV FDIC cert 9023

Charles Town, WV

9 branches across WV · VA · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
Deposits +6.7% year over year ($847.9M on the books).
Delinquency rate 0.08%.
Return on assets 1.40%.
Efficiency ratio 60.88% vs a 64.48% peer average.
Loan-to-deposit ratio 90.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

Potomac Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 39.9% in tier
+ ROA 0.07% above tier average
+ Efficiency Ratio 3.60% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.9% in tier
- Net Interest Margin 0.10% below tier average

Get updates when Potomac Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$980.2M +6.6% YoY +0.5% QoQ	+$593.6M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	Top 0.8% in tier
Total Loans ?	$767.1M +4.4% YoY +2.0% QoQ	+$508.7M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	Top 0.7% in tier
Total Deposits ?	$847.9M +6.7% YoY +0.3% QoQ	+$521.2M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	Top 0.6% in tier
Return on Assets ?	1.40% +37.1% YoY +3.4% QoQ	+0.07%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	3.88% +8.9% YoY +3.6% QoQ	-0.10%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	47%
Efficiency Ratio ?	60.88% -8.8% YoY -1.8% QoQ	-3.60%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.08% -74.9% YoY +139.7% QoQ	-0.84%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	90.47% -2.1% YoY +1.7% QoQ	+12.52%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	23.23% +4.5% YoY +4.5% QoQ	+1.20%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.06% -75.4% YoY +143.2% QoQ	-0.60%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	12.97% +4.6% YoY +0.7% QoQ	-2.94%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.55% +40.3% YoY +90.4% QoQ	-0.02%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	Top 8.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	23.2% +1.0pp YoY +1.0pp QoQ	+1.1pp	22.1%	27.1%	22.2%	60%
Brokered Deposits	n/a	n/a	7.9%	3.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	8.2% -0.5pp YoY -0.2pp QoQ	-3.3pp	11.6%	7.1%	12.5%	42%
CRE	54.8% 0.0pp YoY +0.6pp QoQ	+15.3pp	39.5%	33.8%	41.4%	78%
1-4 Family	35.7% +0.4pp YoY -0.4pp QoQ	+3.1pp	32.6%	52.8%	31.3%	63%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.1%	7.9%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	13.0% +0.6pp YoY +0.1pp QoQ	-5.9pp	18.8%	17.1%	19.7%	28%
Leverage Ratio	9.9% -0.1pp YoY -0.2pp QoQ	-2.3pp	12.2%	11.6%	12.6%	28%
Total Capital Ratio	14.1% +0.6pp YoY +0.1pp QoQ	-5.9pp	19.9%	18.1%	20.8%	26%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	133 +9 (+7.3%) YoY +6 (+4.7%) QoQ	+74	58	161	482	96%
Assets per Employee ($)	$7.4M -0.6% YoY -4.0% QoQ	-$148K	$7.5M	$6.1M	$8.8M	59%
Branch Count	9 0 YoY 0 QoQ	+4	4	13	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.1%	0.4%	22%
Nonaccrual	0.1% -0.2pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	14%
Allowance Coverage	12.64x +311.4% YoY -59.3% QoQ	-11.51x	24.15x	6.60x	20.23x	84%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	14.5% +3.7pp YoY +0.4pp QoQ	+2.3pp	12.2%	10.6%	11.6%	65%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.5%	1.7%	40%
Net Income ($, YTD)	$6.7M +47.7% YoY — QoQ	+$4.2M	$2.6M	$9.0M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#265 of 661 • Top 39.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.55%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.40%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#111 of 691 • Bottom 15.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.47%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $847.91M

Peer Median: $326.73M

#17 of 2643 Top 0.6% in $100M-$1B

Total Loans

size

Value: $767.10M

Peer Median: $258.35M

#20 of 2643 Top 0.7% in $100M-$1B

Total Assets

size

Value: $980.21M

Peer Median: $386.57M

#23 of 2643 Top 0.8% in $100M-$1B

217

Non-Interest Income / Assets

revenue_mix

Value: 0.55%

Peer Median: 0.57%

#217 of 2643 Top 8.2% in $100M-$1B

622

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#622 of 2643 Top 23.5% in $100M-$1B

634

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.92%

#634 of 2633 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available