Bank of Charles Town

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

Bank of Charles Town is headquartered in Charles Town and is the 9th largest bank in the state of West Virginia. It is also the 1,426th 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 Grade Components

FDIC Certificate #9023
Year Established1870
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.6%
Annual Interest Income$20.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$515.7MM$484.4MM
LoansQ4 2019vs Q4 2018$410.8MM$361.0MM
DepositsQ4 2019vs Q4 2018$449.9MM$424.5MM
Equity CapitalQ4 2019vs Q4 2018$51.7MM$49.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.7MM$3.3MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.3MM$817.00K
Real Estate OwnedQ4 2019vs Q4 2018$53.00K$170.00K
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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

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

Bank of Charles Town Money Market Rates

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

Bank of Charles Town Locations
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
Hagerstown Branch1101 Frederick StreetHagerstown, MD 21740
Middleburg Branch115 The Plains Road, Suite 150Middleburg, VA 20117
Bct-Purcellville1201 Wolf Rock Drive Suite 125Purcellville, VA 20132
Leesburg Office446 Madison Trade Plaza SeLeesburg, VA 20175

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