Calvin B. Taylor Banking Company of Berlin, Maryland
Berlin, MD · Cert 5874 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 82% of banks $1B-$10B in assets (rank 56 of 317).
- Widest gap: nonperforming loans / loans trails 65% of banks $1B-$10B in assets (rank 202 of 311).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.46%
Rank 88 of 317
Net Interest Margin
3.77%
Rank 91 of 317
Efficiency Ratio
50.04%
Rank 67 of 317
Equity / Assets
12.73%
Rank 56 of 317
Non-interest income vs. expense
Unfavorable gap of $16.6M · efficiency ratio beats 79% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.93% | 1.22% | 1.51% | Beats 72% | 88 / 317 | |
| Return on Equity | 11.45% | 8.63% | 11.43% | 14.48% | Beats 50% | 157 / 317 | |
| Net Interest Margin | 3.77% | 3.06% | 3.45% | 3.83% | Beats 71% | 91 / 317 | |
| Efficiency Ratio | 50.04% | 51.90% | 59.69% | 67.53% | Beats 79% | 67 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.24% | 0.51% | 1.14% | Beats 35% | 202 / 311 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.12% | Beats 73% | 84 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 13.65% | 11.75% | 13.15% | 15.30% | Beats 58% | 134 / 317 | |
| Total Risk-Based Capital Ratio | 13.65% | 12.63% | 14.21% | 16.26% | Beats 42% | 183 / 317 | |
| Equity / Assets | 12.73% | 9.06% | 10.32% | 11.95% | Beats 82% | 56 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 79.45% | 76.63% | 88.04% | 95.67% | 29th pctl | 220 / 312 | |
| Loans / Assets | 68.73% | 65.41% | 74.05% | 79.71% | 33rd pctl | 213 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |