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Who We Are

BCT is a special place. We have a culture, a special sauce, that is easy to taste but hard to explain. We are proud of our independence as an authentic community bank. We enjoy cultivating remarkable customer experiences. We revere the vitality of tradition while embracing progress. We understand our success must include customer and community successes. So, in an effort to define our special sauce, all of our employees came together in 2018 with a challenge to define our vision and explain what is the heart of BCT. Below is what our employees determined was the heart of BCT.

In 1871, a group comprised of 38 far-sighted Jefferson County, West Virginia farmers, orchardists, and business leaders saw the need for a bank to serve as a stabilizing influence in Jefferson County. Bank of Charles Town was founded. It was neighbor helping neighbor. It was that simple, and still is. The communities we serve are the communities we call home.  We practice Neighbor Helping Neighbor.

We believe we're in a unique position to improve the well-being of businesses and individuals in our communities, and we continue to be delighted in the opportunity to do so.

Today, we are BCT-Bank of Charles Town throughout the Eastern Panhandle of West Virginia and BCT-The Community's Bank in Hagerstown, Maryland and Loudoun County, Virginia.

BCT - Rooted In Tradition. Growing Our Communities.

BCT'S Mission

BCT strives to provide high quality, profitable community banking and related financial services to customers by focusing on exceeding customer service expectations, providing competitive and fair employment opportunities, participating actively in the communities that we serve, maintaining the highest business standards, and employing capital with the objective of maximizing shareholder returns through earnings and dividend payments.

Our Core Values

Integrity

Teamwork

Growth

Customer Commitment

Community Focus

The Story of Our Success

In 1871, a group comprised of 38 far-sighted Jefferson County, West Virginia farmers, orchardists, and business leaders saw the need for a bank to serve as a principal stabilizing influence on Jefferson County. Bank of Charles Town was founded. It was neighbor helping neighbor. It was that simple, and still is. The communities we serve are the communities we call home. We believe we're in a unique position to improve the well-being of businesses and individuals in our communities, and we continue to be delighted in the opportunity to do so.

  • February, 1871

    West Virginia Bank Charter issued on February 20, 1871.  The bank opened its doors on April 4, 1871 at the corner of West Washington and Lawrence Streets in Charles Town, West Virginia.

     

  • April, 1871

    On April 4, 1871, BCT opens its doors to the public using the space on the right side of this building. There were two employees, a Cashier (today's President) and Teller. (Arch. drawing, c.1871)

  • January, 1907

    Operated at 231 West Washington Street from 1907 through 1938. The letters BANK can still be seen at the top of the one-time American Legion Building.

  • January, 1938

    BCT moves to the Public Square at the southeast corner of George and Washington streets.

  • February, 1967

    The Bank moves into its new facility at 111 East Washington Street, Charles Town, WV, with 31 employees and 10 million dollars in assets.

  • January, 1983

    BCT merges with Bank of Harpers Ferry on January 26, 1983, resulting in our second location and first branch, located in Harpers Ferry, WV.

  • 1985

    Third location opened at the intersection of Routes 9 and 480 in Kearneysville, WV.

  • 1999

    Main office goes through renovation and expansion.

  • 2001

    Branding was updated with a new logo featuring a large BCT. 

  • 2001

    Our fourth branch location opens in Martinsburg, WV.

  • 2002

    A fifth branch is added in Hedgesville, WV.

  • 2008

    7,000 square foot addition to the main office in Charles Town, named the Donald S. Smith Financial Center. Also increased Drive-Up Window lanes to four.

  • 2013

    A Loan Production Office opens in Middleburg, VA at The Noble House on West Washington Street.

  • 2014

    A full service branch was opened in Hagerstown, MD on Frederick Street.

  • 2016

    With a move to The Plains Road, our Middleburg, VA, Loan Production Office expands to a Branch operation.

  • 2018

    A "story" tree is added to BCT's branding, with a refreshed logo as well. The tree signifies our historic ties to our founding farmers and orchadists, the roots signify our focus on local businesses and economies, and the limbs represent our five core values: Teamwork, Integrity, Growth, Customer Commitment, and Community Focus.

  • July, 2018

    Our eighth branch celebrates its Grand Opening in July, 2018. Alice Frazier, President & CEO, accepts the town's welcome on behalf of BCT.

  • 2019

    To support tremendous growth in Loudoun County, VA, and Northern Virginia, a Loan Production Office is opened in Leesburg, VA.

  • June, 2019

    The Grand Opening for our ninth branch in Leesburg, VA was held June 4, 2020. This also marked the first building sign to include The Community's Bank branding. 

  • June, 2019

    BCT has grown to over $511 million in assets and employs over 120 team members throughout our three markets of the Eastern Panhandle of West Virginia, Loudoun County, Virginia, and Washington County, Maryland.  Through our growth we remain committed to the core values and principles that fostered our success for over 148 years. We are still BCT - Rooted in Tradition. Growing Our Communities.

  • August, 2019

    American Banker names BCT a BEST BANK TO WORK FOR.

  • July, 2020

    The new and improved www.mybct.bank website launches despite the disruption of the global COVID-19 pandemic!

  • October, 2020

    For the second year in a row, American Banker names  BCT a BEST BANK TO WORK FOR.

  • November, 2021

    For the third year in a row, American Banker names BCT a BEST BANK TO WORK FOR. 

  • December, 2021

    Potomac Bancshares, Inc., holding company for BCT, reports record earnings and growth.  Total assets for 2021 year-end were $710 million an increase of 14.4% over 2020. Net income was $7.6 million, especially significant against a backdrop of the COVID-19 pandemic.