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Corporate Profile

Potomac Bancshares, Inc. (the “Company”), a West Virginia corporation headquartered in Charles Town, West Virginia, is the one bank holding company of Bank of Charles Town (BCT), also known as The Community's Bank. BCT is a locally owned community bank with nine full service offices and one loan production office serving the Eastern Panhandle of West Virginia, Washington County, Maryland and Loudoun County, Virginia. 

Stock & Financial Highlights

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Potomac Bancshares, Inc.
Years Ended Dec. 31 2014 2015 2016 2017 2018 2019
Stock Price  $8.15 $8.60 $9.55 $14.25 $14.10 $14.10
EPS, Diluted  $0.64 $0.77 $0.66 $1.14 $0.94 $0.78
Stock Price/EPS, Diluted  12.7x 11.2x 14.5x 12.5x 15.0x 18.1x
Tangible Book Value  $8.86 $9.48 $9.92 $10.78 $11.98 $12.56
Stock Price/TBV  0.92x 0.91x 0.96x 1.32x 1.18x 1.12x
Dividend Per Share $0.17 $0.22 $0.25 $0.27 $0.28 $0.28

*NM: Not Meaningful



Annual Reports

2019 Potomac Bancshares Annual Report

2018 Potomac Bancshares Annual Report

2017 Potomac Bancshares Annual Report

2016 Potomac Bancshares Annual Report

2015 Potomac Bancshares Annual Report

Order Annual Report

Financial Results

2020-March 31 Financial Results

2019-December 31 Financial Results

2019-September 30 Financial Results

2019-June 30 Financial Results and Letter From the President & CEO, Alice Frazier

2019- March 31 Financial Results

2018- December 31 Financial Results

2018- September 30 Financial Results

2018 - June 30 Financial Results

2018 - March 31 Financial Results

2017 - December 31 Financial Results

2017 - September 30 Financial Results

2017 - June 30 Financial Results

2017 - March 31 Financial Results

2016 - December 31 Financial Results

2016 - September 30 Financial Results

2016 - June 30 Financial Results

2016 - March 31 Financial Results

2015 - December 31 Financial Results

2015 - September 30 Financial Results

2015 - June 30 Financial Results

2015 - March 31 Financial Results

Press Releases:  2019-2020

2020-April 28:  BCT-Bank of Charles Town Contributes $25,000 To Local Charities Through "BCTCares For the Hungry" Initiative

2020-April 23:  Potomac Bancshares, Inc. Declares Dividend

2020-January 23: ICBA Announces Nomination of Alice Frazier for a Second Term To Board of Directors and the Office of Secretary 

2020-January 23:  Potomac Bancshares, Inc. Declares Dividend

2020-January 22:  BCT-Bank of Charles Town Promotes Desiree Cline to Lead Hedgesville Banking Office

2019-November 20: BCT-Bank of Charles Town Launches "BCTCares For The Hungry" Initiative

2019-November 12:  BCT–Bank of Charles Town Announces Anthony Ranghelli Appointment as Chief Technology Officer

2019-October 21:  Potomac Bancshares, Inc. Declares Dividend

2019-August 29:  BCT-Bank of Charles Town Named "Best Bank To Work For"

2019-July 16: BCT-Bank of Charles Town Announces Experienced Banker Colleen Busey As Its Main Office Relationship Banker

2019-July 12: Potomac Bancshares, Inc. Declares Dividend 

2019-July 11: BCT-Bank of Charles Town Announces Keila Blandin Franco to Lead Hedgesville Office

2019-July 09: BCT-Bank of Charles Town Welcomes Seasoned Banking Veteran Kim McGarrah to Lead Martinsburg Office

2019-June 26:  BCT-Bank of Charles Town’s Kristie Hadley Wins Outstanding Community Banker Award from Community Bankers of West Virginia

2019-June 4:  BCT-The Community's Bank Holds Ribbon Cutting Ceremony at Its New Leesburg, Virginia Branch Office

2019-May 29: The Mountain State Apple Harvest Festival (MSAHF) Announces New Partnership with BCT-Bank of Charles Town 

2019-May 23: BCT-The Community's Bank Appoints Lance Nobles, CCIM as Senior Vice President to Serve Loudoun County and Northern Virginia

2019-April 22: BCT-Bank of Charles Town Board of Directors Announce Appointment of Advisory Board for Eastern Panhandle of West Virginia

2019-April 11: Potomac Bancshares, Inc. Declares Dividend

2019-March 7:  Potomac Bancshares, Inc. Welcomes Kristina Bouweiri and Dr. Mitesh Kothari to the Board of Directors

2019-February 12:  BCT Investments Welcomes Caleb A. Hutzler as Investment Representative

2019-January 23:  ICBA Announces Nomination of Alice Frazier To Board of Directors and Office of Secretary 

2019-January 11:  Potomac Bancshares, Inc. Declares Dividend

Insider Holdings

2020 - Year-to-Date Transactions

2019 - Year-to-Date Transactions

2018 - Year-to-Date Transactions

2017 - Year-to-Date Transactions

2016 - Year-to-Date Transactions

Equity Research Services Analysis

Investor Relations Report 3Q 2019

Investor Relations Report 4Q 2019

Investor Presentations

2019-August:  Investor Presentation-Summer 2019, Boenning & Scattergood Community Bank Conference

2017 - August 9

Executive Officers

Alice P. Frazier
President and CEO
Dean J. Cognetti

Board of Directors

Keith B. Berkeley Chairman Dr. Mitesh Kothari
Kristina Bouweiri
Barbara H. Pichot, CPA
J. Scott Boyd, R.Ph Barbara L. Scott
Norman M. Casagrande  Andrew Skinner
Margaret Cogswell C. Larry Togans
Alice P. Frazier Anthony Zelenka

Potomac Bancshares (PTBS)

111 E Washington St
PO Box 906
Charles Town, WV 25414

Investor Relations Contact
Dean Cognetti, CFO

Transfer Agent

American Stock Transfer & Trust Company
59 Maiden Lane
New York, NY 10038
(800) 937-5449

Services provided through the linked Transfer Agent are: Not FDIC Insured | Not Bank Guaranteed | May Lose Value | Not a Bank Deposit | Not Insured by Any Federal Government Agency