WV lenders / Community Bank
Potomac Bank
Community Bank · Charles Town, WV · Potomac Bancshares Inc
- Total assets
- $975.4M
- CRE loan book
- $408.0M
- QoQ CRE growth
- 0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.33% as of Q1 2026 — TX bank median 4.87% (0.46pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.33% | 5.54% |
| Q4 2025 | 5.53% | 5.76% |
| Q3 2025 | 5.41% | 5.66% |
| Q2 2025 | 5.10% | 5.30% |
| Q1 2025 | 5.12% | 5.34% |
| Q4 2024 | 5.15% | 5.33% |
| Q3 2024 | 5.05% | 5.31% |
| Q2 2024 | 4.89% | 5.05% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $408.0M | $37.8M | $38.2M | 278% | $0 |
| Q4 2025 | $404.4M | $45.5M | $39.3M | 282% | $0 |
| Q3 2025 | $391.2M | $46.0M | $39.9M | 272% | $2.1M |
| Q2 2025 | $402.6M | $46.9M | $39.2M | 287% | $2.1M |
| Q1 2025 | $387.9M | $43.0M | $28.6M | 277% | $2.1M |
| Q4 2024 | $385.3M | $39.4M | $26.3M | 278% | $2.6M |
| Q3 2024 | $375.3M | $35.3M | $25.5M | 273% | $2.6M |
| Q2 2024 | $364.8M | $28.9M | $21.8M | 266% | $2.7M |
Signals
Recent news
- Potomac Bank Announces Carolyn K. Johnson Appointed as Senior Vice President, Director of Digital and Payment Strategy - PR Newswire — Coverage of Potomac Bank related to personnel moves reported by prnewswire.com.Aug 13, 2026
- Potomac Bank Voted 2026 Loudoun's Favorite in Multiple Categories - PR Newswire — Coverage of Potomac Bank related to commercial real estate and lending reported by prnewswire.com.Aug 12, 2026
- Potomac Bank Names Tim Valentine Vice President and SBA Lending Officer - citybiz — Coverage of Potomac Bank related to lending reported by citybiz.co.Jul 30, 2026
- Potomac Bank appoints Tim C. Valentine as VP to boost SBA lending in Northern Virginia. - Pluang — Coverage of Potomac Bank related to personnel moves and lending reported by pluang.com.Jul 30, 2026
- Press Release: Potomac Bank Welcomes Tim C. Valentine as Vice President and SBA Lending Officer - Moomoo — Coverage of Potomac Bank related to lending reported by moomoo.com.Jul 30, 2026
- Potomac Bank hire will build SBA relationships in Northern Virginia - Stock Titan — Coverage of Potomac Bank related to personnel moves reported by stocktitan.net.Jul 30, 2026
- Potomac Bancshares Reports 60% Increase in Second Quarter Earnings - PR Newswire — Coverage of Potomac Bank related to earnings reported by prnewswire.com.Jul 29, 2026
- Potomac Bank Residential Lending Expands with Addition of Gail Moxley, Senior Vice President, Senior Mortgage Loan Officer - PR Newswire — Coverage of Potomac Bank related to lending reported by prnewswire.com.Jul 27, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Cashmere Valley BankCommunity Bank · Cashmere · $408.2M CRE book
- CNB St Louis BankCommunity Bank · Maplewood · $407.1M CRE book
- Greenfield Savings BankCommunity Bank · Greenfield · $406.7M CRE book
- Jackson County BankCommunity Bank · Seymour · $415.9M CRE book
- First National Bank of OklahomaCommunity Bank · Oklahoma City · $400.1M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.