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Calvin B. Taylor Banking Company of Berlin, Maryland

Berlin, MD · Cert 5874 · Calvin B Taylor Bankshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

79

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Calvin B. Taylor Banking Company of Berlin, Maryland

Berlin, MD · Cert 5874 · Calvin B Taylor Bankshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$700.4MLoans
$881.5MDeposits
$129.7MEquity
Loan mix
93%RE $637.8M6%C&I $43.9M0%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $634.6M28%Noninterest $246.9MQ2 2025Q2 2026

NIM

4.30%Q2 ’244.64%Q2 ’254.85%Q2 ’26+11%+7%

Non-interest income vs. expense

1.85%Q2 ’241.96%Q2 ’252.10%Q2 ’26-12%+46%

Executive Summary

  • Earnings: ROA of 1.49%, down 11 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.83% of loans (+61 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.65%, up 23 bps from a year ago.
  • Funding: loans stand at 79.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+23 bps YoY

Efficiency Ratio (YTD, annualized)

50.04%+502 bps YoY

Tier 1 Leverage Ratio

13.65%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.60%1.57%1.55%1.49%-11 bps
Return on Equity13.00%13.00%12.62%12.09%11.61%-138 bps
Net Interest Margin3.54%3.48%3.54%3.73%3.77%+23 bps
Efficiency Ratio45.01%45.46%47.51%48.14%50.04%+502 bps
Non-Interest Burden1.15%1.22%1.37%1.58%1.67%+52 bps
Growth
Asset Growth (YoY)7.86%5.66%5.43%4.89%5.39%-247 bps
Loan Growth (YoY)6.66%8.46%4.96%7.27%8.51%+185 bps
Deposit Growth (YoY)7.12%4.81%4.35%4.14%4.72%-240 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.21%0.21%0.21%0.83%+61 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.01%0.01%0 bps
Allowance / Loans0.73%0.72%0.76%0.75%0.79%+6 bps
Allowance Coverage of NPLs3.3x3.5x3.7x3.5x1.0x-2.4x
Capital
Tier 1 Leverage Ratio13.42%13.03%13.08%13.50%13.65%+23 bps
Total Risk-Based Capital13.42%13.03%13.08%13.50%13.65%+23 bps
Equity / Assets12.47%12.37%12.84%12.82%12.73%+26 bps
Liquidity & Funding
Loans / Deposits76.68%72.93%77.43%80.41%79.45%+278 bps
Liquid Assets / Assets8.67%11.64%7.52%7.30%8.24%-43 bps
CRE / Total Capitaln/a270%279%288%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Calvin B. Taylor Banking Company of Berlin, Maryland

Berlin, MD · Cert 5874 · Peer group: banks $1B-$10B in assets (n=313-319) · Calvin B Taylor Bankshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$1.0BAssets
$700.4MLoans
$881.5MDeposits
$129.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks $1B-$10B in assets (rank 55 of 319).
  • Widest gap: nonperforming loans / loans trails 65% of banks $1B-$10B in assets (rank 203 of 313).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.46%

Rank 90 of 319

Net Interest Margin

3.77%

Rank 91 of 319

Efficiency Ratio

50.04%

Rank 69 of 319

Equity / Assets

12.73%

Rank 55 of 319

Non-interest income vs. expense

$4.3M$20.9MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 79% of banks $1B-$10B in assets
Bank 50.04%Peer median 59.6%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.91%1.21%1.53%Beats 72%90 / 319
Return on Equity11.45%8.49%11.44%14.57%Beats 50%159 / 319
Net Interest Margin3.77%3.06%3.43%3.81%Beats 71%91 / 319
Efficiency Ratio50.04%51.90%59.57%67.64%Beats 79%69 / 319
Asset Quality
Nonperforming Loans / Loans0.83%0.25%0.54%1.18%Beats 35%203 / 313
Net Charge-Offs / Loans0.01%0.01%0.04%0.12%Beats 75%79 / 313
Capital
Tier 1 Capital Ratio13.65%11.74%12.99%15.28%Beats 58%133 / 319
Total Risk-Based Capital Ratio13.65%12.61%14.01%16.23%Beats 43%182 / 319
Equity / Assets12.73%9.03%10.33%12.01%Beats 83%55 / 319
Liquidity & Funding
Loans / Deposits79.45%76.76%88.16%95.43%29th pctl224 / 314
Loans / Assets68.73%65.79%74.05%79.84%32nd pctl217 / 319
Brokered Deposits / Depositsn/aNot reported for this institution