Potomac Bancshares Inc. reported net income of $2.3 million, or $0.56 per basic and diluted common share, for the third quarter of 2025. This represents a 32.0% increase in net income and a $0.14 per share rise compared to the third quarter of 2024, which saw net income of $1.8 million, or $0.42 per share. For the nine months ended September 30, 2025, net income totaled $6.6 million, or $1.59 per share, up 36.0% from $4.9 million, or $1.17 per share, for the same period in 2024. The company's net interest margin rose to 3.5% in the third quarter of 2025, compared to 3.2% in the same period of 2024. The efficiency ratio improved to 68.0% from 71.7% a year earlier. Potomac Bancshares reported a total capital ratio of 13.7%, a Tier 1 capital ratio of 12.7%, and a leverage ratio of 9.8% as of the end of the third quarter of 2025. Tangible common equity to tangible assets was 8.4%. The company paid a quarterly cash dividend of $0.13 per common share in the third quarter, unchanged from the second quarter and up $0.01 per share from the first quarter of 2025. On October 19, 2025, the board of directors approved a stock repurchase plan allowing for the repurchase of up to 100,000 shares or $2.0 million of outstanding common stock. Potomac Bancshares continues to focus on commercial banking, with management highlighting growth in revenue, margin expansion, expense management, and asset quality. The company is also an SBA preferred lender and is pursuing client acquisition opportunities.