Bank of Charles Town

Overview / Commentary

www.mybct.com

304-725-8431

111 East Washington Street
Charles Town, WV 25414

Bank of Charles Town is headquartered in Charles Town and is the 9^th largest bank in the state of West Virginia. It is also the 1,426^th largest bank in the nation. It was established in 1870 and as of December of 2019, it had grown to 120 employees at 9 locations. Bank of Charles Town's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	9023
Year Established	1870
Employees	120
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	6.6%
Annual Interest Income	$20.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$515.7MM$484.4MM
Loans	Q4 2019vs Q4 2018	$410.8MM$361.0MM
Deposits	Q4 2019vs Q4 2018	$449.9MM$424.5MM
Equity Capital	Q4 2019vs Q4 2018	$51.7MM$49.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$3.7MM$3.3MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.3MM$817.00K
Real Estate Owned	Q4 2019vs Q4 2018	$53.00K$170.00K

Rates

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Savings
Money Market

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* 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

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Statement Savings
0.05%	-	-	Centsables Savings Accounts
0.05%	-	-	Christmas Club Savings

Bank of Charles Town Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Personal Money Market Account
OTHER TIERS: 0.20% → Up to $25k \| 0.30% → $25k - $100k
0.50%^*	$100k^*	-	Community Money Market Account
OTHER TIERS: 0.20% → Up to $25k \| 0.30% → $25k - $100k
0.50%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.20% → Up to $25k \| 0.30% → $25k - $100k

Locations

Bank of Charles Town Locations
Bank Of Charles Town	111 East Washington Street	Charles Town, WV 25414
Hedgesville Branch	119 Cowardly Lion Drive	Hedgesville, WV 25427
Harpers Ferry Branch	1366 Washington Street	Harpers Ferry, WV 25425
Kearneysville Branch	5480 Charles Town Road	Kearneysville, WV 25430
Martinsburg Branch	9738 Tuscarora Pike	Martinsburg, WV 25403
Hagerstown Branch	1101 Frederick Street	Hagerstown, MD 21740
Middleburg Branch	115 The Plains Road, Suite 150	Middleburg, VA 20117
Bct-Purcellville	1201 Wolf Rock Drive Suite 125	Purcellville, VA 20132
Leesburg Office	446 Madison Trade Plaza Se	Leesburg, VA 20175

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