CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND

BERLIN, MD | Medium | Est. Jan. 1, 1890, midnight | FDIC #5874 | RSSD #39327 | FDIC
Latest Report: 2025-12-31

CALVIN B. TAYLOR BANKING COMPANY OF BERLIN, MARYLAND is amn medium FDIC-insured commercial bank headquartered in BERLIN, MD, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $986M and total deposits of $854M. Profitability stands at 1.44% ROA and 11.45% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 12.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.78%. FDIC Certificate #5874.

Assets

$986M

Deposits

$854M

Loans

$661M

Equity

$127M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 11.45%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.28%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.78%
NPA Ratio 0.10%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 12.84%
Tier 1 Capital 12.84%
Total Capital Ratio 13.48%
Leverage Ratio 13.08%
Loan-to-Deposit 77.43%

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