POTOMAC BANCSHARES DECLARES QUARTERLY CASH DIVIDEND

(OTC: PTBS) Potomac Bancshares, Inc., the bank holding company for Potomac Bank, announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on common stock at their October board meeting. The dividend is payable to all shareholders of record as of November 5, 2026, with payment scheduled for November 12, 2026. Potomac Bancshares, Inc. (OTCID: PTBS) is the parent company of Potomac Bank, which was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. As of June 30, 2026, the company reported total assets of $981 million. Potomac Bank operates through a network of ten branches and one loan production office. The bank serves the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. Potomac Bank provides a range of financial solutions through its consumer and commercial banking divisions, Trust, Wealth, and BCT Investments divisions, and its Residential Lending mortgage division. The bank is a Small Business Administration (SBA) Preferred Lender. In recent years, Potomac Bank has received several awards, including American Banker's "Top Performing Banks" and "Best Banks to Work For," the Journal-News "Best of the Best" award, and the LoudounNow "Loudoun's Favorite" award. The company's shares are quoted on the OTCID marketplace under the symbol "PTBS."

Potomac Bank Voted 2026 Loudoun's Favorite in Multiple Categories

(OTC:PTBS) Potomac Bank announced it was voted WINNER in the LoudounNow 2026 Loudoun's Favorites readers poll in five financial services categories: Bank, Financial Planning firm, Investment Company (BCT Investments), Mortgage Company, and Mortgage Broker (Steve Cowen). Potomac Bank was also voted RUNNER-UP for Banker (Paul Bice). The Company's total assets were $981 million as of June 30, 2026. This is the third consecutive year the bank has been voted a winner in multiple financial services categories in the annual Loudoun's Favorites readers poll. Potomac Bank was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. The Bank conducts operations through its nine-branch network and two loan production offices serving the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. The Company's shares are quoted on the OTCID marketplace under the symbol "PTBS."

Potomac Bancshares Reports 60% Increase in Second Quarter Earnings

(OTC:PTBS) Potomac Bancshares, Inc. reported net income of $3.3 million, or $0.80 per basic and diluted earnings per common share, for the second quarter of 2026. This represents a 9% increase from the first quarter of 2026 and a 60% increase from the second quarter of 2025. Return on average assets was 1.32% and return on average equity was 15.52% for the quarter. For the six months ending June 30, 2026, the Company reported net income of $6.4 million, or $1.54 per share, an increase of $2.1 million, or 49%, compared to the same period in 2025 when net income was $4.3 million, or $1.03 per share. Net interest income was $9.1 million for the second quarter of 2026, representing a 9% increase from the first quarter of 2026. Assets totaled $981.4 million on June 30, 2026, which was a 2% increase (annualized) from March 31, 2026, and a 7% increase year-over-year. The Company paid a quarterly cash dividend of $0.15 per common share, which was a 15% increase compared to $0.13 per share paid during the first quarter of 2026.

Potomac Bank Residential Lending Expands with Addition of Gail Moxley, Senior Vice President, Senior Mortgage Loan Officer

(OTC:PTBS) – Potomac Bank Residential Lending welcomed Gail Moxley as Senior Vice President, Senior Mortgage Loan Officer. Ms. Moxley will be responsible for increasing the company's mortgage loan originations portfolio in the Eastern Panhandle of West Virginia market and will originate mortgage loans in all 50 states. Her office is located at 9738 Tuscarora Pike, Martinsburg, West Virginia, 25403. Potomac Bank, a wholly owned subsidiary of Potomac Bancshares, Inc. (OTCID:PTBS), was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. The Company's total assets were $976 million as of March 31, 2026. The Bank conducts operations through its nine-branch network and two loan production offices serving the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. The Bank is a Small Business Administration (SBA) Preferred Lender and has received awards including American Banker's "Top 200 Community Banks" and "Best Banks to Work For", the Journal-News "Best of the Best" award, and the LoudounNow "Loudoun's Favorite" award.

Potomac Bancshares Reports 28% Increase in First Quarter Results

Potomac Bancshares, Inc. reported net income of $3.0 million, or $0.73 per basic and diluted common share, for the first quarter of 2026, representing increases of 28% from the fourth quarter of 2025 and 39% from the first quarter of 2025. Return on average assets was 1.28% and return on average equity was 14.68% for the quarter. The company announced expansion into the Winchester-Frederick County, Virginia market and a 15% increase in its quarterly cash dividend to $0.15 per share. Total assets reached $975.8 million, and deposits totaled $845.4 million at quarter end. The company maintains strong capital ratios and continues to focus on growth and operational efficiency.