2. Bank of Charles Town

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 9th largest bank in the state of West Virginia. It is also the 1,471st largest bank in the nation. It was established in 1870 and as of December of 2018, it had grown to 113 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
A

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #9023
Year Established1870
Employees113
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.5%
Annual Interest Income$17.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$484.4MM$425.3MM
LoansQ4 2018vs Q4 2017$361.0MM$343.2MM
DepositsQ4 2018vs Q4 2017$424.5MM$372.6MM
Equity CapitalQ4 2018vs Q4 2017$49.0MM$35.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.3MM$3.6MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$817.00K$1.6MM
Real Estate OwnedQ4 2018vs Q4 2017$170.00K$220.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Statement Savings
0.05%--Centsables Savings Accounts
0.05%--Christmas Club Savings

Bank of Charles Town Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$15kSmart Checking
OTHER TIERS: 0.10% → $15k+

Bank of Charles Town CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Branch1101 Frederick StreetHagerstown, MD 21740
Bct-Purcellville1201 Wolf Rock Drive Suite 125Purcellville, VA 20132
Middleburg Branch115 The Plains Road, Suite 150Middleburg, VA 20117
Leesburg Office446 Madison Trade Plaza SeLeesburg, VA 20175
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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