🏦Bank Scorer

BANK OF CHARLES TOWN

CHARLES TOWN, WV · Supervised by FDIC

Est. 1870FDIC #9,023RSSD: FDIC-9023
Part ofPOTOMAC BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: July 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.35%

Institution Profile

FDIC BankFind

Address

111 E Washington St, CHARLES TOWN, WV

County

Jefferson County

Established

February 20, 1870

Total Assets

$975M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$975M

Total Deposits

$846M

Net Loans

$752M

Net Income

$3M

ROA

1.35%

ROE

14.09%

Risk-Based Capital

13.98%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.95%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$795M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423976.57%7.95%
202320577.56%10.73%
202219982.91%8.04%
202119076.84%10.00%
202026877.61%6.72%
201918869.15%12.77%
201825463.39%18.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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