Potomac Bancshares Inc Stock Price, News & Analysis

Potomac Bancshares (OTCID: PTBS) reported strong Q2 2025 financial results, with net income of $2.1 million and earnings per share of $0.50, marking significant increases from $1.4 million and $0.34 in Q2 2024. The bank demonstrated robust performance with 11% annualized loan growth and 12% annualized deposit growth.

Key metrics showed improvement with net interest income increasing to $7.6 million, a net interest margin of 3.48%, and excellent asset quality with NPAs at 0.24% of total assets. The company increased its quarterly dividend by 8% to $0.13 per share, while maintaining strong capital ratios with a total capital ratio of 13.50%.

Total assets reached $920.3 million, representing an 11% annualized increase, while the allowance for credit losses on loans stood at $7.4 million, or 1.00% of total loans.

Potomac Bancshares (OTCID:PTBS), the holding company for Bank of Charles Town (BCT), has announced a quarterly cash dividend of $0.13 per share. The dividend will be paid on August 7, 2025, to shareholders of record as of July 31, 2025.

BCTCares Foundation, established by BCT-Bank of Charles Town (NASDAQ: PTBS), has launched its annual "Pack the 'Pack" campaign with a goal of raising $100,000 to support food-insecure children. The campaign, running from July 1 through August 31, 2025, aims to feed over 6,000 local children during summer break and school weekends for the 2025-2026 school year.

The initiative partners with four local backpack food charities across West Virginia, Maryland, and Virginia. According to CEO Alice Frazier, the program, which began in 2019, has consistently surpassed its goals despite increasing needs due to inflationary pressures on food prices. Donations can be made at BCT branch locations or through their website.

Potomac Bancshares (OTCPK: PTBS) reported strong Q1 2025 financial results with net income of $2.2 million, marking a 30% increase from Q1 2024. The company achieved earnings per share of $0.53, up from $0.40 year-over-year.

Key performance metrics showed improvement with return on assets at 1.01% and return on equity at 11.88%. The net interest margin expanded to 3.51%, while loan balances grew 7% and deposits increased 10% on an annualized basis. The bank's asset quality remained stable with nonperforming assets at 0.25% of total assets.

Notable developments include the relocation of a loan production office to Ashburn, Virginia, providing additional growth capacity. The bank maintained strong capital ratios with a total capital ratio of 13.61% and declared a quarterly cash dividend of $0.12 per share, representing a 20% increase from Q1 2024.

Potomac Bancshares (OTC:PTBS), the holding company for Bank of Charles Town (BCT), has announced an 8% increase in its quarterly cash dividend. The company will pay $0.13 per share, up from the previous quarter's $0.12 per share.

The dividend will be paid on May 8, 2025, to shareholders of record as of May 1, 2025. President and CEO Alice P. Frazier stated that this increase reflects the company's sustained success and commitment to delivering shareholder value.

Potomac Bancshares (OTC: PTBS), the holding company for Bank of Charles Town, participated in the VirtualBankConference.com online conference on March 13, 2025. The event featured presentations from several banks and included a keynote address by Melissa Roberts from Stephens, Inc. on Russell Index impacts on bank stocks.

The company was represented by President and CEO Alice Frazier and EVP/CFO Shane Bell, who delivered a presentation now available on the bank's website. The conference, founded by Julienne Cassarino and Ian Green, aimed to connect banks with investors and industry professionals.

BCT-Bank of Charles Town (OTC:PTBS) announced that President and CEO Alice P. Frazier has been elected chairman-elect of the Independent Community Bankers of America (ICBA) for 2025-26, effective March 14 at ICBA LIVE in Nashville.

Frazier currently serves on the ICBA Executive Committee, board of directors, Federal Delegate Board, and Policy and Nominating Committees. She is also the Executive Committee liaison for the Minority Bank Advisory Council and Safety and Soundness Subcommittee. Her local leadership roles include positions on the Federal Reserve Bank of Richmond Board and treasurer roles at WVU East Hospital System and Loudoun Economic Development Authority.

ICBA is the nation's exclusive advocacy organization for community banks and savings institutions, focusing on promoting locally operated banking services that combine high-tech solutions with personalized service for consumers, small businesses, and agricultural enterprises.

BCT-Bank of Charles Town (OTC:PTBS) CEO Alice P. Frazier addressed the House Small Business Committee, representing the Independent Community Bankers of America (ICBA). As ICBA Vice Chair, she advocated for regulatory and tax relief to enhance small business lending capabilities.

Frazier highlighted community banks' significant role in small-business lending through their relationship-based model. She urged policymakers to: provide relief from CFPB's 1071 data collection requirements, implement tiered regulations, extend Section 199A tax benefits, facilitate new community bank capital sources, and support new bank formation through the Promoting New Bank Formation Act (H.R. 478).

Potomac Bancshares (OTCPK: PTBS) reported strong Q4 2024 results with unaudited consolidated net income of $2.0 million and earnings per share of $0.48. The company's adjusted net income was $2.3 million with adjusted EPS of $0.55. For the full year 2024, net income reached $6.8 million with EPS of $1.65.

Key Q4 highlights include improved net interest margin of 3.37% (up 13 basis points), 10% annualized loan balance growth, 110% increase in secondary market mortgage revenue, and 13% growth in wealth management revenue. The Bank's asset quality remained stable with nonperforming assets at 0.31% of total assets.

Total assets reached $877.3 million, up 6% year-over-year, with loans totaling $704.1 million (8% increase). The company maintained strong capital ratios with a total capital ratio of 13.57% and declared a quarterly cash dividend of $0.12 per share.