• 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.

  • November, 2022

    BCT voted Best Bank, Best Loan Servicing, and Best Financial Planner by the Readers' Choice Awards of The Journal-News.

  • November, 2022

    BCT's Banking On Diversity minority-owned business interest-free loan program awarded the Federal Home Loan Bank (FHLB) of Pittsburgh's inaugural DE&I Member Award.

  • February, 2023

    Alice Frazier, BCT’s President and CEO, appointed to the Board of Directors of the Federal Reserve Bank of Richmond. Her appointment term is 2023 through 2025

  • June, 2023

    American Banker selects BCT a TOP 200 Community Bank for banks with less than $2 Billion in assets. 

  • July, 2023

    Potomac Bancshares, Inc., the holding company for Bank of Charles Town, declares an 11.1% increase to the quarterly dividend, raising it to $0.10 per share.