Bank of Charles Town

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	Reward Checking	Smart Checking 1.82% - National Average
1.26%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.25%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD

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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 12^th largest bank in the state of West Virginia. It is also the 1,704^th largest bank in the nation. It was established in 1870 and as of March of 2017, it had grown to 96 employees at 7 locations. Bank of Charles Town has a B+ health rating.

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Health

B+

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	9023
Year Established	1870
Employees	96
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.43%
Return on Equity - YTD	17.38%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$407.7MM$356.2MM
Loans	Q1 2017vs Q1 2016	$338.5MM$293.2MM
Deposits	Q1 2017vs Q1 2016	$353.7MM$310.3MM
Equity Capital	Q1 2017vs Q1 2016	$33.2MM$31.1MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$3.3MM$2.6MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.9MM$1.1MM
Real Estate Owned	Q1 2017vs Q1 2016	$635.00K$1.0MM

Rates

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Money Market
Checking
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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
0.20%^*	$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

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$15k	Smart 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

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	60 Month CD
1.00%	$1k	-	48 Month CD
0.80%	$1k	-	36 Month CD
0.60%	$1k	-	30 Month CD
0.50%	$1k	-	24 Month CD
0.40%	$1k	-	18 Month CD
0.25%	$1k	-	12 Month CD
0.15%	$1k	-	182 Day CD
0.10%	$1k	-	91 Day CD

Bank of Charles Town IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$500	-	60 Month IRA
1.00%	$500	-	48 Month IRA
0.80%	$500	-	36 Month IRA
0.60%	$500	-	30 Month IRA
0.50%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.25%	$500	-	12 Month IRA

Locations

Bank of Charles Town Locations
Hagerstown Branch	1101 Frederick Street	Hagerstown, MD 21740
Bank Of Charles Town	111 East Washington Street	Charles Town, WV 25414
Hedgesville Branch	119 Cowardly Lion Drive	Hedgesville, WV 25427
Harpers Ferry Branch	1318 Washington Street	Harpers Ferry, WV 25425
Kearneysville Branch	5480 Charles Town Road	Kearneysville, WV 25430
Martinsburg Branch	9738 Tuscarora Pike	Martinsburg, WV 25403