Potomac Bank
Headquartered in CHARLES TOWN, WV. Analysis based on 90 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $36.2M.
Total 7(a) loans
90
Total approved
$36.2M
Average loan
$403K
States funded in
5
Charge-off rate
1.85%
FY2020–FY2023 cohort
Paid-in-full rate
27.78%
Average rate
8.59%
Average term
110 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 311811 | Retail Bakeries | 8 |
| 561730 | Landscaping Services | 4 |
| 541611 | Administrative Management and General Management Consulting Services | 4 |
| 722513 | Limited-Service Restaurants | 4 |
| 541940 | Veterinary Services | 3 |
| 453998 | All Other Miscellaneous Store Retailers (except Tobacco Stores) | 3 |
| 713940 | Fitness and Recreational Sports Centers | 3 |
| 812199 | Other Personal Care Services | 3 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 3 |
| 722511 | Full-Service Restaurants | 3 |
Top 10 states
| State | Loans |
|---|---|
| VA | 58 |
| WV | 21 |
| MD | 6 |
| PA | 4 |
| DC | 1 |
Top franchise brands financed
20 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Nothing Bundt Cakes | 7 |
| Sunoco, LLC (Various Brands) F | 1 |
| Carpet One Floor & Home®, by C | 1 |
| Tropical Smoothie Cafe | 1 |
| ProMd Health | 1 |
| Floor Coverings International | 1 |
| Kona Ice | 1 |
| YogaSix | 1 |
| Smoothie King | 1 |
| Manhattan Pizza | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.