2022 New Year's Message from Alice Frazier

December 29, 2021
Dear BCT Customers, As 2021 comes to a close, I wish you and yours a New Year filled with good will and peace toward all. May we all find ourselves young in spirit, eager to give from our hearts and show gratefulness to one another.
Alice Frazier, President and CEO

Our BCT team is grateful for the opportunity to live our founders’ original mission of “Neighbors Helping Neighbors, Growing Our Communities.”  During this our 150th anniversary year, we have been preparing an archival book to tell our story thus far.  Documenting our 150 years has taken us on a fascinating walk through time including the first recorded shareholder meeting on April 4, 1887, the grand opening of our current headquarters in 1967, our first drive-through lane, and much more.  As we uncovered each document and vintage photograph, we found that time and again BCT exemplified a commitment to positive and authentic customer experiences as well as comprehensive support for our community by providing our time and our treasures to the charitable causes that sustain the dignity of all.*   

And so, from all of us at BCT, please know how very grateful we are for your continued trust as we work to simplify the financial lives of you, your family, and your business.  

It is my purpose and commitment to foster a culture at BCT that provides a positive experience whenever you interact with BCT, both in-person and online.  In so doing, BCT’s promise for the new year is to continue providing personal, helpful, and easy banking services that will simplify your financial life.

I wish for you and yours a safe and successful 2022! 

With sincere regards,




* A special thanks to local historian Doug Perks for helping us write and document our soon-to-be-published book about BCT’s first 150 years.  Let us know if you would like a copy by calling the Customer Care Center at 1-800-296-8431 or by emailing BCTCommunications@mybct.bank.

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About the Company

Founded in 1871, BCT - Bank of Charles Town, also known as The Community's Bank, is a wholly owned subsidiary of Potomac Bancshares, Inc. (OTC:PTBS). With approximately $855 million in assets as of March 31, 2024, the Company conducts operations through its main office, an additional eight branch offices, and two loan production offices.  BCT’s offices are located in Jefferson and Berkeley Counties (WV), Washington County (MD), and Loudoun and Stafford Counties (VA). The Bank provides various banking products and services including free access to over 55,000 ATMs through the Allpoint® network plus  another approximately 675 free access ATMs through another partnership.  The Bank provides convenient online and mobile banking for individuals, businesses, and local governments. The Bank also 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 perm loans, as well as home equity loans and lines of credit.  For over 70 years, BCT Wealth Advisors has provided trust services, growing into a premier financial management, investments, and estate services provider.  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 2023 Journal-News Readers’ Choice Awards in four categories:  Bank, Mortgage Company, Loan Services, and Financial Planning.  In 2023, 2021, 2020, and 2019 the Bank was named a “Best Bank To Work For” by American Banker.


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.