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Potomac Bancshares Inc
111 East Washington Street
Phone: (304) 725-8431p:304 725-8431 CHARLES TOWN, WV  25414  United States Ticker: PTBS PTBS
This company ceased filing statements with the SEC on 5/11/2012.
Business Summary
Potomac Bancshares, Inc. is the one bank holding company of Bank of Charles Town (BCT). BCT is a locally owned community bank with nine full-service offers deposit products to the same primary market area as loans. These products include noninterest-bearing and interest-bearing checking accounts, savings accounts, and certificates of deposit in various terms. It offers investment management, trust and estate services, and comprehensive financial planning through BCT Wealth Advisors. It also offers brokerage, investment, and insurance products through BCT Investments. Its personal banking services include personal checking; savings, certificates of deposit and Individual Retirement Accounts (IRA); online and mobile banking; convenience services; home equity lending; personal loans; consumer credit cards; account opening service, and others. Its business banking services include specialties, commercial loans, small business administration (SBA) lending, and business checking solutions.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
9/30/202412/31/2023YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6282 Investment advice
6211 Security brokers, dealers, and flotation companies
6091 Nondeposit trust facilities
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board John C.Skinner 70 1/1/1994
President, Chief Executive Officer Alice P.Frazier 51 7/5/2017 7/5/2017
Chief Financial Officer, Senior Vice President Dean J.Cognetti 52 3/28/2012 9/6/2011
6 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
BANK OF CHARLES TOWN 111 E Washington St Charles Town West Virginia United States

Business Names
Business Name
Bank of Charles Town
PTBS

General Information
Number of Employees: 125 (As of 12/31/2022)
Outstanding Shares: 4,144,561 (As of 6/30/2024)
Shareholders: 1,200
Stock Exchange: OTC
Federal Tax Id: 550732247


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Wednesday, January 29, 2025