Potomac Bancshares Inc Stock Price, News & Analysis

Potomac Bank (OTCID: PTBS) announced on November 3, 2025 that Bank of Charles Town has officially adopted the new name Potomac Bank. The change reflects the bank's 154-year history and its geographic expansion across the Eastern Panhandle of West Virginia, Washington County Maryland, and Northern Virginia.

The new name aligns the bank with its holding company, Potomac Bancshares, founded in 1994, and introduces the tagline "Community Takes Root Here" to emphasize local banking, community support, and regional identity tied to the Potomac River.

Potomac Bancshares (OTCID: PTBS) reported Q3 2025 net income of $2.3M or $0.56 per share, a 32% year‑over‑year increase and a $0.14 per share rise from Q3 2024. Nine‑month net income was $6.6M (+36% YoY). Key metrics: ROA 0.98%, ROE 11.62%, net interest margin 3.54%, efficiency ratio 67.95%, tangible book value per share up 11% YoY to $19.39, and deposits up 11% YoY. The board authorized a stock repurchase plan for up to 100,000 shares or $2.0M through Oct 19, 2027. Bank of Charles Town will be renamed Potomac Bank on Nov 3, 2025.

Potomac Bancshares (OTC:PTBS) announced a quarterly cash dividend of $0.13 per share on common stock. The dividend was declared at the October 2025 board meeting for shareholders of record on October 31, 2025 and is payable on November 6, 2025.

BCT-Bank of Charles Town (OTCID:PTBS) announced that its BCTCares Foundation has raised a record $104,000 through its 2025 Pack the 'Pack program, exceeding its goal of $100,000. The campaign, running from July 1 to August 31, 2025, will support four local backpack food nonprofits with $26,000 each.

The funds will help provide over 11,000 backpacks filled with weekend food supplies for food-insecure children across Maryland, Virginia, and West Virginia. Since its inception, the Foundation has contributed a total of $509,000 to combat local food insecurity, with support from bank clients, vendors, employees, Board of Directors, and local community members.

Bank of Charles Town (OTCID:PTBS) announced its rebranding to Potomac Bank, effective November 3, 2025. The name change reflects the bank's expanding regional presence across the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia.

The new name aligns with its holding company, Potomac Bancshares, established in 1994, and symbolizes the connection among communities united by the Potomac River. The bank will maintain its iconic tree logo and introduce a new tagline: "Community Takes Root Here."

Founded in 1871, the bank assures that its ownership, leadership, values, and dedication to personalized service will remain unchanged, with all existing accounts, services, and branch locations continuing as before.

Potomac Bancshares (OTCID:PTBS), the holding company of BCT-Bank of Charles Town, has appointed C.W. Chris "Chip" Hensell, III to its Board of Directors, effective August 19, 2025. Hensell will also serve on the board of its subsidiary Bank of Charles Town.

Hensell is the Owner/Broker of Hensell Realty Company, a multi-generational real estate brokerage founded in 1955. He also owns Hensell Prime, LLC and C&H Enterprises, and serves on the Board of Directors for Farmers and Mechanics Mutual Insurance. His community involvement includes serving on the boards of WVU East Hospital and Berkeley County Parks and Recreation.

BCT-The Community's Bank (OTCID:PTBS) has been recognized as the winner in multiple categories in the 2025 Loudoun's Favorites readers' poll conducted by LoudounNow. The bank secured top positions in four financial services categories: Bank, Financial Planner, Mortgage Company, and Mortgage Broker. Additionally, BCT's Paul Bice was named Runner-Up Banker.

This marks the second consecutive year of BCT winning multiple categories in the annual poll, which features over 200 categories across six sections. The recognition reflects the bank's strong community presence and client relationships in Loudoun County, Virginia, where it has been operating for more than 154 years.

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.