Deposit & Liquidity - 82% of deposits are insured or collateralized, totaling $1.48 billion[11, 13] - The company has a diverse commercial deposit base with no industry concentration exceeding 10%[15] Loan Portfolio - Non-Owner Occupied CRE portfolio has a loan balance of $453 million as of June 30, 2025, with an approximate weighted average LTV of 52%[25] - Owner Occupied CRE portfolio has a loan balance of $241 million as of June 30, 2025, with an approximate weighted average LTV of 50%[31] - Multi-family loan balance outstanding is $239 million as of June 30, 2025, with an approximate weighted average LTV of 62%[37] - Commercial & Industrial Loans have a balance of $109 million as of June 30, 2025[43] - Construction & Development Loans have a balance of $70 million as of June 30, 2025, with 59% utilized of commitments[49] - Agricultural Real Estate & Operating Loans have a balance of $101 million as of June 30, 2025[56] Credit Quality - Total loans graded 1 to 5 (Pass) amounted to $1,307,424 thousand as of June 30, 2025[91] - Total loans graded 6 (Watch) amounted to $23,201 thousand as of June 30, 2025[91] - Total loans graded 7 (Substandard) amounted to $17,922 thousand as of June 30, 2025[91]

ABERDEEN, Wash., July 25, 2025 (GLOBE NEWSWIRE) -- Pacific Financial Corporation (OTCQX: PFLC), (“Pacific Financial”) or (the “Company”), the holding company for Bank of the Pacific (the “Bank”), reported net income of $2.7 million, or $0.27 per diluted share for the second quarter of 2025, compared to $2.4 million, or $0.24 per diluted share for the first quarter of 2025, and $2.1 million, or $0.21 per diluted share for the second quarter of 2024. The current quarter’s net income relative to the prior quar ...

Company Overview - Potomac Bancshares, Inc. is the holding company for Bank of Charles Town (BCT), which was founded in 1871 and operates as a community bank [2] - As of March 31, 2025, BCT has approximately $896 million in assets and operates through one main office, eight branch offices, and two loan production offices [2] - BCT offers a variety of loan products including commercial lines and term loans, residential and commercial construction loans, and agricultural loans, and is a Small Business Administration (SBA) Preferred Lender [2] Recent Developments - The Board of Directors declared a quarterly cash dividend of $0.13 per share, payable to shareholders of record on July 31, 2025, with payment scheduled for August 7, 2025 [1] - BCT has received multiple accolades, including being voted as a "Top 200 Community Bank" by American Banker in 2023 and winning several categories in local readers' polls [2] Share Information - The shares of Potomac Bancshares, Inc. are quoted on the OTCID marketplace under the symbol "PTBS" [3] - Interested individuals can purchase shares through personal brokers or by contacting the company's EVP and CFO [3]

Nevada County INVESTOR PRESENTATION UPDATED THROUGH JUNE 30, 2024 1 Forward Looking Statements Disclaimer The statements contained herein that are not historical facts are forward-looking statements based on management's current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. There can be no assurance that future developmen ...