Potomac Bank Strengthens Leadership with Lisa Kilgour's Appointment as COO

Potomac Bank Enthusiastically Welcomes Lisa Kilgour

Potomac Bank, based in Charles Town, West Virginia, has announced an exciting shift in leadership with the appointment of Lisa Kilgour as the new Executive Vice President and Chief Operations Officer (COO). With over four decades of experience in community banking, Kilgour brings a wealth of knowledge and expertise to this crucial role.

A Veteran in Banking

Kilgour's career spans many years, having previously served as COO at MainStreet Bank for nine years and holding various senior management roles at Middleburg Bank for more than two decades. Her banking journey began at Farmers and Merchants National Bank in Hamilton, Virginia, laying a strong foundation for her career.

In her role at Potomac Bank, Kilgour will be instrumental in overseeing key operational components essential to the bank's success, including banking systems, payment processing, card services, deposit operations, and loan operations. This aligns closely with her goal to enhance operational performance, a sentiment she expressed during her appointment announcement.

Strategic Operations Planning

Potomac Bank's President and CEO, Alice P. Frazier, highlighted that the banking industry is undergoing significant changes that necessitate well-planned investments to maintain their status as a locally owned community bank. Frazier emphasized that Kilgour's expansive experience positions the bank to not only meet client needs but also to thrive in a competitive marketplace.

Kilgour herself echoed this excitement, expressing her eagerness to optimize operational frameworks at Potomac Bank. She stated that she looks forward to building on the bank's 155-year legacy of providing personalized service to clients while integrating unparalleled operational excellence.

Industry Engagement

Beyond her responsibilities at Potomac Bank, Kilgour is actively involved in the broader financial services sector. She serves on the Payments Advisory Council of the Federal Reserve Bank of Richmond and is a member of the Bank Operations Committee for the Independent Community Bankers of America (ICBA). Additionally, she has held leadership roles in organizations like Virginia 1st and the Virginia Association of Community Banks, demonstrating her commitment to advocacy within the banking community.

Kilgour's educational background includes studies in Computer Science at Virginia Tech, alongside her graduation from the BAI Graduate School of Bank Operations and Technology and the Virginia Bankers Association Executive Leadership Program.

A Community-Focused Institution

Founded in 1871 and now a wholly owned subsidiary of Potomac Bancshares, Inc., Potomac Bank has a rich history and a bright future. With total assets reported at approximately $981 million as of June 30, 2026, the bank operates through nine branches and two loan production offices, primarily serving the Eastern Panhandle of West Virginia, Washington County in Maryland, and Northern Virginia.

Potomac Bank takes pride in its broad array of financial solutions, including consumer and commercial banking services, as well as wealth management divisions. The bank's esteemed position in the community is bolstered through its recognition as an SBA Preferred Lender and has earned accolades such as being named one of American Banker's