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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

$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