BlastPoint's Banking Scorecard
Potomac Bank
Community
Specialty: Commercial
WV
FDIC cert 9023
Charles Town, WV
1484
banks in Community tier nationally
10 in WV
View Community leaderboard (WV) →
Potomac Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$943.0M
+7.7% YoY
-1.9% QoQ
|
-$448.4M |
$1.4B
+2.0% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$746.6M
+6.9% YoY
+2.6% QoQ
|
-$228.9M |
$975.5M
+2.4% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$813.1M
+7.8% YoY
-2.4% QoQ
|
-$351.5M |
$1.2B
+1.7% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.04%
+20.9% YoY
+1.7% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.70%
+9.0% YoY
+3.0% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
66.96%
-3.0% YoY
+0.4% QoQ
|
+4.33% |
62.63%
-5.3% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.00%
-99.4% YoY
-99.2% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
91.82%
-0.8% YoY
+5.2% QoQ
|
+8.76% |
83.06%
+0.3% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
22.58%
-0.9% YoY
-8.0% QoQ
|
+1.53% |
21.05%
-0.9% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.00%
-99.4% YoY
-99.1% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
12.65%
+1.0% YoY
-0.0% QoQ
|
+2.41% |
10.24%
-0.6% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.80%
-2.1% YoY
+39.9% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Liquidity Strain
risk
#144 of 513 · Bottom 28% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.58% · Tier avg: 21.05%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.65% · Tier avg: 10.24%
53
53th pctile
Total Loans
Current: $746.6M · Tier avg: $975.5M
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
48
48th pctile
Total Deposits
Current: $813.1M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $943.0M · Tier avg: $1.4B
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 62.63%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.82% · Tier avg: 83.06%
Top Weaknesses
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.82% · Tier avg: 83.06%
35
35th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 62.63%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
46
46th pctile
Total Assets
Current: $943.0M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $813.1M · Tier avg: $1.2B
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
53
53th pctile
Total Loans
Current: $746.6M · Tier avg: $975.5M
54
54th pctile
Tier 1 Capital Ratio
Current: 12.65% · Tier avg: 10.24%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.58% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%