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.

The Bank moves into its new facility at 111 East Washington Street, Charles Town, WV, with 31 employees and 10 million dollars in assets.

Third location opened at the intersection of Routes 9 and 480 in Kearneysville, WV.

Main office goes through renovation and expansion.

Our fourth branch location opens in Martinsburg, WV.

7,000 square foot addition to the main office in Charles Town, named the Donald S. Smith Financial Center. Also increased Drive-Up Window lanes to four.

A full service branch was opened in Hagerstown, MD on Frederick Street.

A "story" tree is added to BCT's branding, with a refreshed logo as well. The tree signifies our historic ties to our founding farmers and orchadists, the roots signify our focus on local businesses and economies, and the limbs represent our five core values: Teamwork, Integrity, Growth, Client Commitment, and Community Focus.

To support tremendous growth in Loudoun County, VA, and Northern Virginia, a Loan Production Office is opened in Leesburg, VA.

BCT has grown to over $511 million in assets and employs over 120 team members throughout our three markets of the Eastern Panhandle of West Virginia, Loudoun County, Virginia, and Washington County, Maryland.  Through our growth we remain committed to the core values and principles that fostered our success for over 148 years. We are still BCT - Rooted in Tradition. Growing Our Communities.

The new and improved www.mybct.bank website launches despite the disruption of the global COVID-19 pandemic!

Continued growth in Northern Virginia results in a Loan Production Office (LPO) being opened in Fredericksburg, Virginia.  This office is located in the University of Mary Washington Small Business Development Center and specializes in SBA Lending. 

Potomac Bancshares, Inc., holding company for BCT, reports record earnings and growth.  Total assets for 2021 year-end were $710 million an increase of 14.4% over 2020. Net income was $7.6 million, especially significant against a backdrop of the COVID-19 pandemic.

BCT's Banking On Diversity minority-owned business interest-free loan program awarded the Federal Home Loan Bank (FHLB) of Pittsburgh's inaugural DE&I Member Award.

American Banker selects BCT a TOP 200 Community Bank for banks with less than $2 Billion in assets. 

Potomac Bancshares, Inc., the one holding company for Bank of Charles Town, reported 2023 full year total assets of $831 million, a 9.9% increase over 2022.  Net income for the full year 2023 was $7.26 million.

April 18, 2024 - Potomac Bancshares, Inc. declares 20% increase to quarterly dividend.

September 26 ,2024 - The BCTCares Foundation announced that the 2024 Pack the 'Pack campaign raised a record $90,000, directly funding local food backpack programs to fight hunger in food-insecure children in our markets. 

January 31, 2025 - Potomac Bancshares, Inc., the one bank holding company for Bank of Charles Town (BCT), reported 2024 full-year net income of $6.8 million, or $1.65 basic and diluted earnings per common share. 

April 21, 2025 - The Board of Directors declared an 8% increase in shareholder quarterly cash dividends.

The BCTCares Foundation's annual Pack the 'Pack fundraising campaign raises a record $104,000 to fight food insecurity among children in our local communities. 

January 29, 2026 - Potomac Bancshares, Inc., the one holding company for Potomac Bank, Inc., reported record 2025 results.  The Company reported full-year net income of $9.0 million, a 31% increase over 2024.