Potomac Bancshares, Inc. · OTC:PTBS
Potomac Bancshares — Shareholder Meeting (May 2026)
25 slides from Potomac Bancshares's shareholder meeting presentation, May 19, 2026
Slide 1: Shareholder Meeting
Community Takes Root Here SHAREHOLDER MEETING May 19, 2026
Slide 2: Forward Looking Statements
Forward Looking Statements Certain statements made in this document may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that include projections, predictions, expectations, or beliefs about
Slide 3: Video
VIDEO (Direct Video Link: https://vimeo.com/1117510848?share=copy&fl=sv&fe=ci ) 3
Slide 4: Vision and Core Values
Vision and Core Values POTOMAC 20? BANCSHARES OTCID: PTBS 4
Slide 5: Vision
Vision Potomac Bank is a high performing presence in the tri-state region of WV, MD and VA The clear Bank of Choice for businesses and members of the community 5
Slide 6: Our Core Values
Our Core Values Integrity Teamwork Growth Work in authentic, We are accountable to each Provide opportunities for trustworthy ways to do the other to be a collective WE, our colleagues to feel right thing every time, in all responsible to our vision, well-prepared, confident, interactions, with our
Slide 7: Potomac Bancshares, Inc.
Potomac Bancshares, Inc. (OTCID: PTBS) Established 1994 POTOMAC © BANCSHARES | Potomac Bank Established 1871 as Bank of Charles Town 72) (77 BANK Mortgage Trust & Wealth Investments (Division of Potomac Bank) (Division of Potomac Bank) (Division of Potomac Bank) POTOMAC POTOMAC x BANK x BANK ad BCT
Slide 8: Local Recognition
Local Recognition LoudounNow AMERICAN BANKER, LOUDOUN’S FAVORITE Best Banks to Work For OF THE BEST WwW | N N E R : The Journal (1 Winnev ¥ "AWARDS."= 2021 5 LARGE BUSINESS” FINALIST oe xa 1 POTOMAC 20? BANCSHARES OTCID: PTBS
Slide 9: Clients Are Our Ambassadors
Clients Are Our Ambassadors There is no greater compliment than your referral. 9
Slide 10: BCTCares Foundation
BCTCares Foundation Proud to Support our Non-Profit Partners: Berkeley County Backpack Program Community Combined Ministries (Kidz Power Pacs) HARC (Micah’s Backpack) Loudoun Education Foundation (Fueled) Potomac Bank 2025 Volunteer Hours: 940 Hours at 53 Organizations TOTAL BCTCARES FOUNDAT
Slide 11: Company Overview
Company Overview POTOMAC 20? BANCSHARES OTCID: PTBS 11
Slide 12: Strategic Objectives
Strategic Objectives Human Market Geographic Operational Profitability Capital Share Expansion Excellence Optimize Deliver Be the “Employer Increase Market Expand and shareholder value of Choice” with diversify into processes to Share in All through execution Our Culture of new growth consistently C
Slide 13: Q1 2026 Results – Balance Sheet Growth
Q1 2026 Results – Balance Sheet Growth 13
Slide 14: Diversified Low Risk Loan Portfolio
Diversified Low Risk Loan Portfolio Non-Performing Assets / Assets 0.03% 5.61% Yield on Loans >30 Days Past Due Loans Accruing / Total Loans 0.23% Information is unaudited As of March 31, 2026 14
Slide 15: Building Local Economies with SBA
Building Local Economies with SBA Small Business Administration Guaranteed Loans West Virginia’s First Preferred Lender 15
Slide 16: Diversified Deposit Portfolio
Diversified Deposit Portfolio CD Noninterest 17% Bearing Checking 22% Our Secret is Relationship Pricing 1.56% Money Market Cost of 19% Deposits Reward Our Clients with the Best Pricing Interest Checking 33% Savings 9% Information is unaudited As of March 31, 2026 16
Slide 17: Growth in Non-Interest Income (Q1 2026)
Growth in Non-Interest Income (Q1 2026) Net gain on Interchange sale of SBA fees loans 15% 13% Bank owned Fee Income Business life insurance Lines are Driving Growth 3% Other Wealth and operating investments income 23% 24% Service Secondary charges on deposits market mortgage 7% Information is unaud
Slide 18: Assets Under Management
Caring Wealth Advisory and Trust Services $400.0 Comprehensive Financial Planning $2.1 by Two Certified Financial Planners $1.9 $2.0 Assets Under Management $1.7 $300.0 $1.5 Award Winning Investment $1.4 $1.5 Advisory Practice Revenue $200.0 $1.0 Professional Trust Administration $100.0 $0.5 $- $- 2
Slide 19: Geographic Expansion
Geographic Expansion Winchester, VA 19
Slide 20: Geographic Expansion
Geographic Expansion September 2026 Full Branch Services First Winchester Office 20
Slide 21: Q1 2026 Earnings & Profitability
Q1 2026 Earnings & Profitability (in thousands) 21
Slide 22: Stock Price Appreciation
Stock Price Appreciation $21.99 PTBS Price as of May 14, 2026 $16.95 PTBS Price as of May 14, 2025 $14.44 PTBS Price as of May 14, 2024 22
Slide 23: Bringing Awareness to Our Story
Bringing Awareness to Our Story Over 100 Banks Participated PTBS Was One of the Top 3 Most Requested Bank 17 Meetings with Interested Investors 23
Slide 24: Local Ownership Then Now
Local Ownership THEN NOW 672 24
Slide 25: Thank you for your support Questions?
Community Takes Root Here Thank you for your support Questions?