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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

4.42%Q2 ’244.77%Q2 ’254.93%Q2 ’26+12%+5%

Non-interest income vs. expense

1.83%Q2 ’241.88%Q2 ’252.23%Q2 ’26-6%+24%

Executive Summary

  • Earnings: ROA of 1.43%, down 19 bps year over year; NIM at 3.84%.
  • 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 (quarter, annualized)

1.43%-19 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+18 bps YoY

Efficiency Ratio (quarter, annualized)

51.85%+609 bps YoY

Tier 1 Leverage Ratio

13.65%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.62%1.44%1.55%1.43%-19 bps
Return on Equity12.96%13.03%11.45%12.09%11.16%-181 bps
Net Interest Margin3.66%3.69%3.75%3.73%3.84%+18 bps
Efficiency Ratio45.77%46.35%53.64%48.14%51.85%+609 bps
Non-Interest Burden1.43%1.47%1.82%1.58%1.77%+34 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%0.03%0.01%0.01%0.01%+1 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