Bank of Charles Town
BCT is a full-service community bank founded in 1871, offering personal and business banking, mortgage lending, wealth advisory, and trust services across the Eastern Panhandle of West Virginia, Washington County Maryland, and Loudoun County Virginia.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through March 31, 2026 across the trailing 3 years (6 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Bank of Charles Town ranks #248 of 585 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Bank of Charles Town’s 7(a) acquisition lending falls in the $0-$500K range: 4 loans, 66.7% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 4 | 66.7% | |
| $1M-$2M | 1 | 16.7% | |
| $4M-$5M | 1 | 16.7% |
Industries with highest loan volume
General Automotive Repair
2
loans
$350K
avg. amount
Landscaping Services
1
loans
$1.2M
avg. amount
Coffee and Tea Manufacturing
1
loans
$450K
avg. amount
Other Computer Related Services
1
loans
$4.6M
avg. amount
Scenic and Sightseeing Transportation, Land
1
loans
$180K
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Bank of Charles Town’s median variable rate is + 2.50%, against a market median of Prime + 2.00%, 50 above market.
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.63% |
| $1M-$2M | Prime + 2.25% |
| $4M-$5M | Prime + 2.25% |
Bank of Charles Town has originated 7(a) acquisition loans in 2 states, most actively in Virginia (5) and Maryland (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Virginia | 5 | 83.3% |
| Maryland | 1 | 16.7% |
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