Bank of Charles Town strives to provide high quality, profitable community banking and related financial services to customers by focusing on exceeding customer service expectations; providing competitive and fair employment opportunities; participating actively in the communities that are served; maintaining the highest business standards; and employing capital with the objective of maximizing shareholder returns through earnings and dividend payments.
Our Core Values
A few short years after the end of the Civil War, a group comprised of 38 far-sighted Jefferson County, West Virginia farmers, orchardists, and business leaders saw the need for a bank to serve as a principal stabilizing influence on Jefferson County. They pooled some of their financial resources and started Bank of Charles Town.
1871 | Charter issued on February 20 and the bank opened on April 4 at the corner of West Washington and Lawrence Streets.
1907 | Operated at 231 West Washington Street from 1907 through 1938. The letters BANK can still be seen at the top of the one-time American Legion building.
1938 | Moved to the southeast corner of Washington and George Streets and became the first Jefferson County bank to offer trust services.
1966 | Moved into its new facility at 111 East Washington Street with 31 employees and 10 million dollars in assets.
1983 | Bank of Harpers Ferry merged with Bank of Charles Town, resulting in combined assets in excess of 59 million dollars.
1985 | Third location opened at the intersection of Routes 9 and 480.
1999 | Main office was renovated and expanded.
2001 | Branding was updated and a new logo featuring a large BCT was unveiled. Also began operations on Tuscarora Pike in Berkeley County, WV.
2002 | Established a full service branch in Hedgesville, WV.
2008 | 7,000 square foot addition to the main office in Charles Town, named the Donald S. Smith Financial Center. Also increased drive thru capacity.
2013 | A loan production office was opened in Middleburg, VA at The Noble House on West Washington Street.
2014 | A full service branch was opened in Hagerstown, MD on Frederick Street.
2016 | Expanded services in Middleburg, VA and moved to a new building within walking distance of Downtown Middleburg, just off of The Plains Road.
Today | BCT has grown to nearly $350 million in assets and employs close to 100 people in the tri-state region. Although we have changed over the years, we still embrace the principles that got us where we are today. At BCT our goal is to Simplify Your Financial Life!