Where is Bank of Charles Town located?

Bank of Charles Town is located at 111 E Washington St, CHARLES TOWN, WV 25414.

How can I contact Bank of Charles Town?

You can contact Bank of Charles Town by phone at +1 (800) 296-8431.

Bank of Charles Town

About

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.

1871

Founded

Reviews & Ratings

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SBA 7(a) Lending Analytics

SBA 7(a) Acquisition Loan Data As Of June 30, 2025

SBA Acquisition Loan Activity

Last 12 Months

1

Last 3 Years

4

YoY Growth

Data not available

Loan Size Distribution

As Of June 30, 2025

Median

$293K

Average

$304K

Interest Rate Analysis

All rates shown as spread over Prime Rate

Rate Distribution

Median Rate:Prime + 2.38%

Typical Range:Prime + 1.75% - 2.75%

Min / Max:Prime + 1.75% / 3.00%

Market Comparison

This Lender

Prime + 2.38%

Market Average

Prime + 1.25%

112 bps above market

Default Rate & Risk Profile

As Of June 30, 2025 - 10-year default rate indicates underwriting quality

10-Year Default Rate

0.0%

Bottom 10% of Lenders (Highest Default Rate)

Performance Ranking

100th

Lower is better among all lenders

Geographic Loan Distribution

As Of June 30, 2025 - States by loan volume (darker blue = higher volume)

Low

Medium

High

Very High