Vitals
  • Total Assets
    1.1B 30.1 %
  • Total Deposits
    779.6M 23.3 %
  • Total Net Loans
    880.0M 33.0 %
  • Net Income
    3.9M 16.3 %
  • Book Value
    116.8M 68.3 %
  • Book Value x2
    233.5M 68.3 %
  • Book Value x3
    350.3M 68.3 %
ROAA

1.472

ROAE

13.452

Efficiency Ratio

49.027

Net Interest Margin

4.441

Balance Sheet Highlights
Financial Highlights Mercantile Potomac Bank All Insured Commercial Banks in Maryland
Balance Sheet $(000)
Total Assets 1,076,350 405,025
Total Net Loans 879,990 307,279
Total Deposits 779,598 343,041
Total Equity 116,751 39,498
Profitability
Net Income 3,877 2,032
Return on Average Assets 1.472 1.248
Return on Average Equity 13.452 12.68
Net Interest Margin 4.441 4.198
Efficiency Ratio 49.027 63.513
Noninterest Income/Revenue 8.256 15.44
Balance Sheet Ratios
Loan-to-Deposit 112.877 86.596
Securities/Assets .114 .368
Total Equity/Total Assets .108 .098
Tangible Equity/Tangible Assets .07 .003
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 76,939 34,419
Tier 2 Capital 41,176 8,490
Total Capital 118,115 42,157
Total Risk Weighted Assets 887,611 298,959
Leverage Ratio 7.6 9.645
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.67 13.635
Total Capital Ratio 13.31 15.368

Timeline for Mercantile Potomac Bank

Mercantile-Safe Deposit And Trust Company

Mercantile Potomac Bank was acquired by Mercantile-Safe Deposit And Trust Company 19 years

View Profile Apr 21 2005

P V B Holdings & Investments, Inc.

P V B Holdings & Investments, Inc. became a new subsidiary organization for Mercantile Potomac Bank.

View Profile Jun 01 1994

Potomac National Bank

Acquisition: Mercantile Potomac Bank acquired a new subsidiary, Potomac National Bank, 46 years

View Profile Oct 03 1977

Mercantile Potomac Bank

Mercantile Potomac Bank was established 50 years ago and is currently headquartered in Gaithersburg, MD.

Jan 21 1974

Mercantile Bankshares Corporation

Mercantile Bankshares Corporation became a new parent organization for Mercantile Potomac Bank.

View Profile Jan 21 1974
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mercantile-Safe Deposit And Trust Company Buyer 8,557,486 Pooling of Interests Discontinued 4/21/2005
Potomac National Bank Seller 38,673 Discontinued 10/3/1977
Relationships Role Relationship Start Relationship End
Mercantile Bankshares Corporation Parent 1/21/1974 4/20/2005
P V B Holdings & Investments, Inc. Subsidary 6/1/1994 4/20/2005
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