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 1,450^th largest bank in the nation. It was established in 1870 and as of March of 2019, it had grown to 116 employees at 8 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 Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	9023
Year Established	1870
Employees	116
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	5.55%
Annual Interest Income	$4.8MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$496.3MM$432.1MM
Loans	Q1 2019vs Q1 2018	$374.8MM$344.2MM
Deposits	Q1 2019vs Q1 2018	$434.4MM$379.8MM
Equity Capital	Q1 2019vs Q1 2018	$49.9MM$36.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$3.4MM$3.7MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.7MM$1.6MM
Real Estate Owned	Q1 2019vs Q1 2018	$163.00K$220.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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

Bank of Charles Town Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$15k	Smart Checking
OTHER TIERS: 0.10% → $15k+

Bank of Charles Town CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Bank of Charles Town Locations
Hagerstown Branch	1101 Frederick Street	Hagerstown, MD 21740
Bct-Purcellville	1201 Wolf Rock Drive Suite 125	Purcellville, VA 20132
Middleburg Branch	115 The Plains Road, Suite 150	Middleburg, VA 20117
Leesburg Office	446 Madison Trade Plaza Se	Leesburg, VA 20175
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

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