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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 1,453rd largest bank in the nation. It was established in 1870 and as of September of 2019, it had grown to 121 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
A

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #9023
Year Established1870
Employees121
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.54%
Annual Interest Income$14.9MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$504.9MM$475.3MM
LoansQ3 2019vs Q3 2018$399.7MM$356.2MM
DepositsQ3 2019vs Q3 2018$440.8MM$416.9MM
Equity CapitalQ3 2019vs Q3 2018$51.5MM$47.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$3.6MM$3.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.2MM$750.00K
Real Estate OwnedQ3 2019vs Q3 2018$53.00K$370.00K
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 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
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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