Skip to main content
← Find a lenderClaim this listing

Lender record

Potomac Bank

The real lending record — every figure from funded deals. HQ: 111 E Washington St, Charles Town, WV. 9 branches.

99

Recent deals (FY20+)

$250K

Typical deal

23 days

Approval → funding

1.9%

Failure rate (FY20–23)

Where Potomac Bank lends

Deals Potomac Bank funded — list all 98 as text

Deal profile

Most Potomac Bank deals land between $149K and $450K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Retail Bakeries (9)
  2. 2.Limited-Service Restaurants (5)
  3. 3.Administrative Management and General Management Consulting (5)
  4. 4.Landscaping Services (4)
  5. 5.Computer Systems Design Services (3)
  6. 6.Other Personal Care Services (3)
  7. 7.General Automotive Repair (3)
  8. 8.Fitness and Recreational Sports Centers (3)

Most active states

  1. 1.Virginia (63 deals)
  2. 2.West Virginia (23 deals)
  3. 3.Maryland (8 deals)
  4. 4.Pennsylvania (4 deals)
  5. 5.District of Columbia (1 deals)

Franchises they finance most

Nothing Bundt Cakes

8 deals

Layne's Chicken Fingers

1 deals

Smoothie King

1 deals

Manhattan Pizza

1 deals

Intelligent Office

1 deals

Can Potomac Bank fund you? The bank behind the loans

Total assets

$975.4M

▲ 3.4% vs prior quarter

Deposits on hand

$845.6M

▲ 4% vs prior quarter

Loans outstanding

$752.3M

▲ 0.8% vs prior quarter

Net income (latest qtr)

$3.2M

  • •An active SBA program (~0.5% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes Potomac Bank more SBA-focused than 67% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.35% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Potomac Bank branch (9)

Potomac BankMain office111 E Washington StCharles Town, WV 25414 · since 1870

Harpers Ferry Branch1366 Washington StHarpers Ferry, WV 25425 · since 1975

Kearneysville Branch5480 Charles Town RoadKearneysville, WV 25430 · since 1985

Martinsburg Branch9738 Tuscarora PikeMartinsburg, WV 25403 · since 2001

Hedgesville Branch119 Cowardly Lion DrHedgesville, WV 25427 · since 2003

Hagerstown Branch1101 Frederick StHagerstown, MD 21740 · since 2014

Middleburg Branch115 The Plains RdMiddleburg, VA 20117 · since 2014

Purcellville Branch1201 Wolf Rock DrPurcellville, VA 20132 · since 2018

Leesburg Branch446 Madison Trade Plz SeLeesburg, VA 20175 · since 2019

Branch data: FDIC BankFind.

Recent deals

  • PenBay Technology Group LLC in Union Hall, VA — $800K (2026) · Computer Systems Design Services
  • Mechanicsville Cake Company LLC in Mechanicsville, VA — $676K (2026) · Retail Bakeries
  • NOVELLA WOMEN'S HEALTH PLLC in Martinsburg, WV — $540K (2026) · Offices of Physicians (except Mental Health Specialists)
  • Innovative Data Solutions, LLC in Sterling, VA — $350K (2026) · Computer Systems Design Services
  • ID Nails Studio LLC in Inwood, WV — $255K (2026) · Nail Salons
  • MainSpring, Inc. in Frederick, MD — $250K (2026) · purchase · Computer Facilities Management Services
  • LCF Ashland LLC in Ashland, VA — $200K (2026) · Limited-Service Restaurants
  • Smoothie Queens VA, LLC in Stafford, VA — $149K (2026) · Limited-Service Restaurants
  • Loving Lathers LLC in Kearneysville, WV — $90K (2026) · Pet Care (except Veterinary) Services
  • Blue Jeans Federal LLC in Gaithersburg, MD — $50K (2026) · Administrative Management and General Management Consulting

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Failed deals

1 of Potomac Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

Work at Potomac Bank?

Claim this profile free to keep your lending record accurate, route buyer leads to your team, and sponsor your placement in the rankings.

Claim this listing

Businesses Potomac Bank financed

87 businesses on record — the 60 largest by funding. Each links to its full SBA record.

Work at Potomac Bank?

Claim this profile to keep your record accurate, route buyer leads to your team, or sponsor your placement in the rankings.

Claim this listingRequest removal

CapBench analysis of public lending records, FY2020–present. Not affiliated with Potomac Bank.

Agent summary

This page summarizes Potomac Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 99 SBA 7(a) loans on record
  • $250K typical deal
  • 11 business-acquisition loans
  • HQ: 111 E Washington St, Charles Town, WV
  • 9 FDIC branch locations
  • FDIC total assets $975.4M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/potomac-bank
API:
https://www.capbench.com/api/public/lenders/potomac-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

Find the bank most likely to fund your deal

Potomac Bank is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

Scroll