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Potomac Bancshares, Inc. Participates in VirtualBankConference.com

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Potomac Bancshares (OTC: PTBS), the holding company for Bank of Charles Town, participated in the VirtualBankConference.com online conference on March 13, 2025. The event featured presentations from several banks and included a keynote address by Melissa Roberts from Stephens, Inc. on Russell Index impacts on bank stocks.

The company was represented by President and CEO Alice Frazier and EVP/CFO Shane Bell, who delivered a presentation now available on the bank's website. The conference, founded by Julienne Cassarino and Ian Green, aimed to connect banks with investors and industry professionals.

Potomac Bancshares (OTC: PTBS), la holding company per la Bank of Charles Town, ha partecipato alla conferenza online VirtualBankConference.com il 13 marzo 2025. L'evento ha presentato interventi di diverse banche e ha incluso un discorso principale di Melissa Roberts di Stephens, Inc. sugli impatti dell'Indice Russell sulle azioni bancarie.

L'azienda è stata rappresentata dal Presidente e CEO Alice Frazier e dal EVP/CFO Shane Bell, che hanno tenuto una presentazione ora disponibile sul sito web della banca. La conferenza, fondata da Julienne Cassarino e Ian Green, mirava a connettere banche con investitori e professionisti del settore.

Potomac Bancshares (OTC: PTBS), la empresa matriz de Bank of Charles Town, participó en la conferencia en línea VirtualBankConference.com el 13 de marzo de 2025. El evento presentó presentaciones de varios bancos e incluyó un discurso principal de Melissa Roberts de Stephens, Inc. sobre los impactos del Índice Russell en las acciones bancarias.

La compañía fue representada por la Presidenta y CEO Alice Frazier y el EVP/CFO Shane Bell, quienes ofrecieron una presentación que ahora está disponible en el sitio web del banco. La conferencia, fundada por Julienne Cassarino e Ian Green, tenía como objetivo conectar a los bancos con inversores y profesionales de la industria.

포토맥 뱅크쉐어스 (OTC: PTBS), 찰스 타운 은행의 모회사, 2025년 3월 13일 VirtualBankConference.com 온라인 회의에 참여했습니다. 이 행사에서는 여러 은행의 발표가 있었고, 스티븐스 주식회사의 멜리사 로버츠가 러셀 지수가 은행 주식에 미치는 영향에 대해 기조연설을 했습니다.

회사는 회장 겸 CEO인 앨리스 프레이저와 EVP/CFO인 쉐인 벨이 대표로 참석했으며, 이들은 현재 은행 웹사이트에서 확인할 수 있는 발표를 진행했습니다. 이 회의는 줄리엔 카사리노와 이안 그린이 설립했으며, 은행과 투자자 및 업계 전문가들을 연결하는 것을 목표로 했습니다.

Potomac Bancshares (OTC: PTBS), la société holding de la Bank of Charles Town, a participé à la conférence en ligne VirtualBankConference.com le 13 mars 2025. L'événement a présenté des interventions de plusieurs banques et a inclus un discours d'ouverture de Melissa Roberts de Stephens, Inc. sur les impacts de l'indice Russell sur les actions bancaires.

L'entreprise était représentée par la présidente et CEO Alice Frazier et le EVP/CFO Shane Bell, qui ont donné une présentation désormais disponible sur le site web de la banque. La conférence, fondée par Julienne Cassarino et Ian Green, visait à connecter les banques avec des investisseurs et des professionnels du secteur.

Potomac Bancshares (OTC: PTBS), die Holdinggesellschaft der Bank of Charles Town, nahm am 13. März 2025 an der Online-Konferenz VirtualBankConference.com teil. Die Veranstaltung beinhaltete Präsentationen mehrerer Banken und umfasste eine Hauptrede von Melissa Roberts von Stephens, Inc. über die Auswirkungen des Russell-Index auf Bankaktien.

Das Unternehmen wurde von Präsidentin und CEO Alice Frazier sowie EVP/CFO Shane Bell vertreten, die eine Präsentation hielten, die jetzt auf der Website der Bank verfügbar ist. Die Konferenz, die von Julienne Cassarino und Ian Green gegründet wurde, hatte zum Ziel, Banken mit Investoren und Fachleuten der Branche zu verbinden.

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CHARLES TOWN, W.Va., March 28, 2025 /PRNewswire/ -- (OTC: PTBS) – Potomac Bancshares, Inc. ("the Company") (OTC: PTBS), the bank holding company for Bank of Charles Town, also known as The Community's Bank (the "Bank" or "BCT"),  announced its recent participation in the successful VirtualBankConference.com online conference for bank investors and industry professionals, held on Thursday, March 13, 2025.

Potomac Bancshares joined other esteemed banks, including CB Financial Services, Inc. (CBFV), FinWise Bancorp (FINW), First Savings Financial Group, Inc. (FSFG), and Meridian Corporation (MRBK), in presenting at this event. The conference provided valuable insights and connections between banks and investors in an efficient and engaging manner.

Keynote speaker Melissa Roberts, Managing Director at Stephens, Inc., delivered a keynote address on the impact of the Russell Index on bank stocks and upcoming changes to the index methodology. 

Alice Frazier, President and CEO of Potomac Bancshares, presented on behalf of the company.  Joining Alice was Shane Bell, EVP and CFO.  A copy of their presentation can be found at  https://www.mybct.bank/assets/1/6/Investor-Presentation-March-2025.pdf.  To learn more about Potomac Bancshares, visit https://ir.mybct.bank.

VirtualBankConference.com was founded by Julienne Cassarino and Ian Green to facilitate meaningful connections between banks and investors. Potomac Bancshares, Inc. is proud to have been part of this innovative platform and looks forward to continued engagement with industry professionals and investors.

For more information about the conference, in general, please visit VirtualBankConference.com or contact:

NON-GAAP FINANCIAL MEASURES

In addition to financial statements prepared in accordance with U.S. generally accepted accounting principles ("GAAP"), the Company uses certain non-GAAP financial measures that the Company's management believes provide useful information for financial and operational decision making, evaluating trends, and comparing financial results to other financial institutions. The non-GAAP financial measures presented in this document include adjusted net income, adjusted basic and diluted earnings per share, adjusted return on average assets, adjusted return on average equity, pre-provision pre-tax earnings, adjusted pre-provision pre-tax earnings, fully taxable equivalent interest income, the net interest margin, the efficiency ratio, tangible book value per share, and tangible common equity to tangible assets.

The Company believes certain non-GAAP financial measures enhance the understanding of its business, performance, and financial position. Non-GAAP financial measures are supplemental and not a substitute for, or more important than, financial measures prepared in accordance with GAAP and may not be comparable to those reported by other financial institutions. A reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measure is included at the end of this release.

ABOUT POTOMAC BANCSHARES, INC.

Potomac Bancshares, Inc. (OTCPK: PTBS) is the bank holding company of Bank of Charles Town, which was founded in 1871. The Bank also does business under the names BCT and The Community's Bank. The Bank conducts operations through its main office, an additional eight branch offices, and two loan production offices. The Bank's offices are in Jefferson and Berkeley Counties (WV), Washington County (MD), and Loudoun and Stafford Counties (VA). The Bank offers commercial lines and term loans, residential and commercial construction loans, commercial real estate loans, agricultural loans, and government contractor loans. The Bank is also a Small Business Administration (SBA) Preferred Lender. The Residential Lending division offers secondary market and portfolio mortgage loans, one-time close construction to permanent loans, as well as home equity loans and lines of credit. For over 70 years, BCT Wealth Advisors has provided caring and personalized trust services, growing into a premier financial management, investments, and estate services provider. The Bank also provides convenient online and mobile banking for individuals, businesses, and local governments plus free access to over 55,000 ATMs through the Allpoint® network plus another approximately 675 free access ATMs through another partnership. BCT was voted WINNER in the LoudounNow 2024 Loudoun's Favorites readers' poll in four categories: Bank, Mortgage Company, Banker, and Financial Planner. In 2023, American Banker selected BCT as a "Top 200 Community Bank," an annual listing of the best performing banks in the United States with assets under $2 billion. BCT was voted a "Best of the Best" winner in the 2024 Journal-News Readers' Choice Awards in three categories:  Bank, Loan Services, and Financial Planning. The Bank was named a "Best Bank to Work For" by American Banker five of the last six years.

The Company's shares are quoted on the OTC Pink Sheet marketplace under the symbol "PTBS." For more information about Potomac Bancshares, Inc., and the Bank, please visit our website at www.mybct.bank.

FORWARD-LOOKING STATEMENTS

Certain statements made in this press release may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include projections, predictions, expectations, or beliefs about events or results or otherwise are not statements of historical facts, such as statements about the Company's growth strategy and deployment of capital. Although the Company believes that its expectations with respect to such forward-looking statements are based upon reasonable assumptions within the bounds of its existing knowledge of its business and operations, there can be no assurance that actual results, performance, or achievements of the Company will not differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ from those discussed in such forward-looking statements include, but are not limited to, the following: (1) general economic conditions, especially in the communities and markets in which the Company conducts its business; (2) credit risk, including risk that negative credit quality trends may lead to a deterioration of asset quality, risk that our allowance for credit losses may not be sufficient to absorb actual losses in the Company's loan portfolio, and risk from concentrations in the Company's loan portfolio; (3) changes in the real estate market, including the value of collateral securing portions of the Company's loan portfolio; (4) changes in the interest rate environment; (5) operational risk, including cybersecurity risk and risk of fraud, data processing system failures, and network breaches; (6) changes in technology and increased competition, including competition from non-bank financial institutions; (7) changes in consumer preferences, spending and borrowing habits, demand for our products and services, and customers' performance and creditworthiness; (8) difficulty growing loan and deposit balances; (9) the Company's ability to effectively execute its business plan; (10) changes in regulations, laws, taxes, government policies, monetary policies and accounting policies affecting bank holding companies and their subsidiaries, including changes in deposit insurance premiums; (11) deterioration in the financial condition of the U.S. banking system may impact the valuations of investments the Company has made in the securities of other financial institutions; (12) regulatory enforcement actions and adverse legal actions; (13) difficulty attracting and retaining key employees; and (14) other economic, competitive, technological, operational, governmental, regulatory, and market factors affecting the Company's operations. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether because of new information, future events or otherwise, except as required by applicable law.

Cision View original content to download multimedia:https://www.prnewswire.com/news-releases/potomac-bancshares-inc-participates-in-virtualbankconferencecom-302414624.html

SOURCE Potomac Bancshares, Inc.

FAQ

When did Potomac Bancshares (PTBS) participate in the VirtualBankConference.com event?

Potomac Bancshares participated in the VirtualBankConference.com event on March 13, 2025.

Who represented Potomac Bancshares (PTBS) at the VirtualBankConference.com?

President and CEO Alice Frazier, along with EVP and CFO Shane Bell, represented PTBS at the conference.

Which other banks presented alongside Potomac Bancshares (PTBS) at the conference?

CB Financial Services (CBFV), FinWise Bancorp (FINW), First Savings Financial Group (FSFG), and Meridian (MRBK) presented alongside PTBS.

Where can investors find Potomac Bancshares' (PTBS) March 2025 presentation?

The presentation is available at https://www.mybct.bank/assets/1/6/Investor-Presentation-March-2025.pdf
Potomac Bancshares Inc

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