Overview / Commentary
111 East Washington Street
Charles Town, WV 25414

Bank of Charles Town is headquartered in Charles Town and is the 10th largest bank in the state of West Virginia. It is also the 1,633rd largest bank in the nation. It was established in 1870 and as of June of 2018, it had grown to 110 employees at 7 locations. Bank of Charles Town has an A health rating.


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Health Grade Components

FDIC Certificate #9023
Year Established1870
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.84%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$426.8MM$411.0MM
LoansQ2 2018vs Q2 2017$344.8MM$345.5MM
DepositsQ2 2018vs Q2 2017$379.7MM$358.7MM
Equity CapitalQ2 2018vs Q2 2017$36.9MM$33.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.2MM$3.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.2MM$1.4MM
Real Estate OwnedQ2 2018vs Q2 2017$220.00K$247.00K
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Always verify rates and promotions with the bank or credit union. We are not Bank of Charles Town; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Charles Town Savings Account Rates

0.05%--Statement Savings
0.05%--Centsables Savings Accounts
0.05%--Christmas Club Savings

Bank of Charles Town Money Market Rates

0.20%*$100k*-Personal Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k
0.20%*$100k*-Community Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k
0.20%*$100k*-Business Money Market Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k

Bank of Charles Town Checking Account Rates

0.50%*-$15kSmart Checking
OTHER TIERS: 0.10% $15k+
0.10%*$25k*-Active Plus Checking
OTHER TIERS: 0.05% Up to $25k
0.10%*$25k*-Experience Plus Checking
OTHER TIERS: 0.05% Up to $25k
0.10%*$25k*-Community Plus Checking
OTHER TIERS: 0.05% Up to $25k
0.05%--Business Smart Choice

Bank of Charles Town CD Rates

1.51%$1k-60 Month CD
1.25%$1k-48 Month CD
1.00%$1k-36 Month CD
0.85%$1k-30 Month CD
0.75%$1k-24 Month CD
0.60%$1k-18 Month CD
0.50%$1k-12 Month CD
0.35%$1k-182 Day CD
0.25%$1k-91 Day CD

Bank of Charles Town IRA Rates

1.51%$500-60 Month IRA
1.25%$500-48 Month IRA
1.00%$500-36 Month IRA
0.85%$500-30 Month IRA
0.75%$500-24 Month IRA
0.60%$500-18 Month IRA
0.50%$500-12 Month IRA

Bank of Charles Town Locations
Hagerstown Branch1101 Frederick StreetHagerstown, MD 21740
Bct-Purcellville1201 Wolf Rock Drive Suite 125Purcellville, VA 20132
Middleburg Branch115 The Plains Road, Suite 150Middleburg, VA 20117
Bank Of Charles Town111 East Washington StreetCharles Town, WV 25414
Hedgesville Branch119 Cowardly Lion DriveHedgesville, WV 25427
Harpers Ferry Branch1366 Washington StreetHarpers Ferry, WV 25425
Kearneysville Branch5480 Charles Town RoadKearneysville, WV 25430
Martinsburg Branch9738 Tuscarora PikeMartinsburg, WV 25403

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