Calvin B. Taylor Banking Company of Berlin, Maryland
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
$1.0BAssets
$700.4MLoans
$881.5MDeposits
$129.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 82% of banks $1B-$10B in assets (rank 60 of 328).
- Widest gap: nonperforming loans / loans trails 66% of banks $1B-$10B in assets (rank 214 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
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 | 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 |