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
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
54
Profitability
65
Liquidity
64
Efficiency
79
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.
Berlin, MD · Cert 5874 · Calvin B Taylor Bankshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.45% | 1.58% | 1.60% | 1.60% | 1.57% | 1.55% | 1.49% | -11 bps | |
| Return on Equity | 11.95% | 12.10% | 12.99% | 13.00% | 13.00% | 12.62% | 12.09% | 11.61% | -138 bps | |
| Net Interest Margin | 3.12% | 3.23% | 3.49% | 3.54% | 3.48% | 3.54% | 3.73% | 3.77% | +23 bps | |
| Efficiency Ratio | 47.70% | 49.39% | 44.33% | 45.01% | 45.46% | 47.51% | 48.14% | 50.04% | +502 bps | |
| Non-Interest Burden | 1.27% | 1.33% | 0.88% | 1.15% | 1.22% | 1.37% | 1.58% | 1.67% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 9.86% | 9.88% | 7.86% | 5.66% | 5.43% | 4.89% | 5.39% | -247 bps | |
| Loan Growth (YoY) | 6.86% | 9.49% | 8.08% | 6.66% | 8.46% | 4.96% | 7.27% | 8.51% | +185 bps | |
| Deposit Growth (YoY) | 5.54% | 10.12% | 9.40% | 7.12% | 4.81% | 4.35% | 4.14% | 4.72% | -240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.35% | 0.24% | 0.22% | 0.21% | 0.21% | 0.21% | 0.83% | +61 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.63% | 0.62% | 0.67% | 0.73% | 0.72% | 0.76% | 0.75% | 0.79% | +6 bps | |
| Allowance Coverage of NPLs | 4.4x | 1.8x | 2.8x | 3.3x | 3.5x | 3.7x | 3.5x | 1.0x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.65% | 12.97% | 13.42% | 13.42% | 13.03% | 13.08% | 13.50% | 13.65% | +23 bps | |
| Total Risk-Based Capital | 12.65% | 12.97% | 13.42% | 13.42% | 13.03% | 13.08% | 13.50% | 13.65% | +23 bps | |
| Equity / Assets | 11.75% | 11.99% | 12.38% | 12.47% | 12.37% | 12.84% | 12.82% | 12.73% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.48% | 76.98% | 78.06% | 76.68% | 72.93% | 77.43% | 80.41% | 79.45% | +278 bps | |
| Liquid Assets / Assets | 16.04% | 10.67% | 9.37% | 8.67% | 11.64% | 7.52% | 7.30% | 8.24% | -43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 279% | 288% | n/a | n/a | |
Berlin, MD · Cert 5874 · Peer group: banks $1B-$10B in assets (n=322-328) · Calvin B Taylor Bankshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
1.46%
Rank 92 of 328
Net Interest Margin
3.77%
Rank 93 of 328
Efficiency Ratio
50.04%
Rank 70 of 328
Equity / Assets
12.73%
Rank 60 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.91% | 1.22% | 1.52% | Beats 72% | 92 / 328 | ||
| Return on Equity | 11.45% | 8.43% | 11.45% | 14.43% | Beats 50% | 164 / 328 | ||
| Net Interest Margin | 3.77% | 3.03% | 3.45% | 3.83% | Beats 72% | 93 / 328 | ||
| Efficiency Ratio | 50.04% | 51.61% | 59.56% | 67.53% | Beats 79% | 70 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.24% | 0.51% | 1.03% | Beats 34% | 214 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 73% | 88 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.65% | 11.75% | 13.15% | 15.47% | Beats 57% | 141 / 328 | ||
| Total Risk-Based Capital Ratio | 13.65% | 12.63% | 14.15% | 16.46% | Beats 43% | 187 / 328 | ||
| Equity / Assets | 12.73% | 9.15% | 10.33% | 12.01% | Beats 82% | 60 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.45% | 76.63% | 87.92% | 95.36% | 30th pctl | 227 / 323 | ||
| Loans / Assets | 68.73% | 65.18% | 74.15% | 79.98% | 32nd pctl | 222 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||