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Bank of Charles Town

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Bank of Charles Town Rates & Review April 2026

Q: How many branches does Bank of Charles Town operate?

Bank of Charles Town currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of Charles Town does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Charles Town provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare Bank of Charles Town rates to other rates in our database, including 12-month CD rates currently at 3.65%, 6-month CD rates at 0.10% and 3-month CD rates at 0.05%. Savings rates are at 0.40% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 5.94%. All these rates can be compared to Bank of Charles Town rates. MonitorBankRates evaluates the financial stability of Bank of Charles Town with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.73%. Rates were last updated on 04/25/2026.

Bank of Charles Town money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Charles Town? Share your experience about Bank of Charles Town by leaving a review below, or read customer reviews before you decide to use Bank of Charles Town.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.73%

Excellent Lower than avg

Bank of Charles Town

111 E Washington St
Charles Town, WV 25414

https://www.mybct.bank

Current Rate Availability

We do not have Bank of Charles Town rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Charles Town is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Charles Town rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Charles Town's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Charles Town

Bank Holding Company POTOMAC BANCSHARES INC

Address 111 E Washington St, Charles Town, WV 25414 · Jefferson

Website https://www.mybct.bank

FDIC Certificate # 9023

Established 02/20/1870

FDIC Insurance Date 01/01/1934

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.73%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0123%

Return on Equity (ROE) 11.2300%

Non-Performing Loans (NPL) 0.28%

Total Assets $943,040,000

Total Deposits $813,138,000

Equity Capital $90,910,000

Net Income $9,590,000

Headquarters Charles Town

Total Offices 9

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Bank of Charles Town

Is Bank of Charles Town a safe place to deposit money?

Yes, Bank of Charles Town is considered a safe financial institution. With a Texas Ratio of 3.7348874350317%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Bank of Charles Town operate?

Bank of Charles Town currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Charles Town does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Charles Town provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Charles Town offer online and mobile banking?

Most modern institutions like Bank of Charles Town provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mybct.bank.