Calvin B. Taylor Banking Company of Berlin, Maryland
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Data as of · sourced from FFIEC call reports. How we update
Calvin B. Taylor Banking Company of Berlin, Maryland is an FDIC-insured commercial bank headquartered in Berlin, MD, supervised by the FDIC, with $1.02B in total assets at Q2 2026, up 5.4% from Q2 2025, the 9th largest of 27 banks headquartered in Maryland. It was established in 1890 and holds FDIC certificate 5874. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5874
- Headquarters
- Berlin, MD
- Established
- 1890
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 13.65%
- Domestic offices
- 12 · Calvin B. Taylor Banking Company of Berlin, Maryland branches FDIC institution directory, current count
- Routing number
- 052101012
- Safety and soundness
- Is Calvin B. Taylor Banking Company of Berlin, Maryland safe?
- Latest call report
- Q2 2026, FFIEC 051 · Calvin B. Taylor Banking Company of Berlin, Maryland call report
- Holding company
- CALVIN B. TAYLOR BANKSHARES, INC.
- Asset rank in state
- 9th of 27 in Maryland
Problem loans are rising at Calvin B. Taylor Banking Company of Berlin, Maryland. It reported $1.0 billion in assets at June 30, 2026, up 5.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.83% of loans from 0.22% a year earlier. It pays an average of 1.25% on its deposits and borrowings, lower than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). It also funds 13.65% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.49%).
Loans are outrunning deposits: over the year loans rose 8.5% and deposits rose 4.7%.
As of June 30, 2026, Calvin B. Taylor Banking Company of Berlin, Maryland reported a return on assets of 1.45%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 4.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Calvin B. Taylor Banking Company of Berlin, Maryland is the 9th largest of the 27 banks headquartered in Maryland. Between Q1 2026 and Q2 2026, its total assets rose 2.6% to $1.02B, loans rose 1.4% and deposits rose 2.7%. 1-4 family residential loans made up 35.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 29.5%. The FDIC Summary of Deposits lists 12 offices for it, in 8 cities across 3 states; its Berlin 3 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Calvin B. Taylor Banking Company of Berlin, Maryland meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 24 N Main St, Berlin, MD 21811
- County
- Worcester
- Metro Area
- Ocean Pines, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $881.5M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $44K
- Average total assets
- $991.6M
- Average total loans
- $697.1M
- Average interest-bearing deposits
- $623.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5874
- Fed RSSD
- 39327
- Website
- www.taylorbank.com →
- Parent Holding Company
- CALVIN B. TAYLOR BANKSHARES, INC. (RSSD 2391300)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Calvin B. Taylor Banking Company of Berlin, Maryland reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Calvin B. Taylor Banking Company of Berlin, Maryland's total assets ranged from $851.4M (Q4 2023) to $1.02B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.02B total assets against $966.9M; $889.3M total liabilities against $846.2M.
$694.9M net loans and leases against $640.7M; $881.5M total deposits against $841.8M.
$194.3M securities against $207.2M; $78.3M cash and balances due against $68.7M.
$12.2M total interest income against $11.4M; $2.7M total interest expense against $2.6M.
$9.5M net interest income against $8.7M.
$1.1M total noninterest income against $1.1M; $5.5M total noninterest expense against $4.5M.
$345K provision for credit losses against $401K.
$3.6M net income against $3.9M.
1.45% return on assets against 1.62%; 4.02% net interest margin against 3.96%.
13.65% tier 1 leverage ratio against 13.42%.
Inside the full Calvin B. Taylor Banking Company of Berlin, Maryland terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCalvin B. Taylor Banking Company of Berlin, Maryland rankings
Its closest position to the top of a national ranking is 1,023 of 4,196, for total assets; its furthest is 1,488 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.44% (Q4 2025) to 1.62% (Q2 2025) and its net interest margin ran from 3.61% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 1.45% | 0.83% | 4.28% | 4.02% |
| Q1 2026 | 13.50% | 1.56% | 0.21% | 1.11% | 3.90% |
| Q4 2025 | 13.08% | 1.44% | 0.21% | 1.04% | 3.91% |
| Q3 2025 | 13.03% | 1.60% | 0.21% | 1.03% | 3.86% |
| Q2 2025 | 13.42% | 1.62% | 0.22% | 1.12% | 3.96% |
| Q1 2025 | 13.42% | 1.60% | 0.24% | 1.28% | 3.64% |
| Q4 2024 | 12.97% | 1.47% | 0.35% | 1.89% | 3.69% |
| Q3 2024 | 12.65% | 1.58% | 0.14% | 1.07% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ocean City Branch | Ocean City , MD | 21842 | $129.7M |
| Calvin B. Taylor Banking Company of Berlin, Maryland (main office) | Berlin , MD | 21811 | $126.9M |
| Ocean Pines Branch | Berlin , MD | 21811 | $100.3M |
| Onley Virginia Branch Office | Onley , VA | 23418 | $79.6M |
| North Ocean City-Fenwick Branch | Ocean City , MD | 21842 | $76.1M |
| Pocomoke City Branch | Pocomoke City , MD | 21851 | $68.7M |
| Snow Hill Branch | Snow Hill , MD | 21863 | $66.9M |
| Ocean Landing Branch Office | Berlin , MD | 21811 | $62.3M |
| West Ocean City Branch | Ocean City , MD | 21842 | $61.7M |
| Ocean View Delaware Branch | Ocean View , DE | 19970 | $54.7M |
| Chinocoteague Branch Office | Chincoteague , VA | 23336 | $41.2M |
| Cape Charles Branch | Cape Charles , VA | 23310 | $13.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 20, 2013 | Delisting | deregistration | SEC |
| October 15, 2002 | Ipo | ipo_priced | SEC |
| September 27, 2002 | M&A | Acquired Calvin B. Taylor Bank of Delaware merger for the acquired bank | SEC |
| September 27, 2002 | Structure Change | Acquired Calvin B. Taylor Bank of Delaware Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MD, rank 28 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 199 applications, 122 loans originated, $41.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Calvin B. Taylor Banking Company of Berlin, Maryland
What are Calvin B. Taylor Banking Company of Berlin, Maryland's total assets?
As of the Q2 2026 filing, Calvin B. Taylor Banking Company of Berlin, Maryland reported total assets of $1.02 billion in its FFIEC call report.
Where is Calvin B. Taylor Banking Company of Berlin, Maryland headquartered?
It is headquartered in Berlin, MD, United States.
When was Calvin B. Taylor Banking Company of Berlin, Maryland founded?
It was established in 1890, per the FDIC institution directory.
Is Calvin B. Taylor Banking Company of Berlin, Maryland FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Calvin B. Taylor Banking Company of Berlin, Maryland?
Calvin B. Taylor Banking Company of Berlin, Maryland's primary federal regulator is the FDIC.
How many branches does Calvin B. Taylor Banking Company of Berlin, Maryland operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Calvin B. Taylor Banking Company of Berlin, Maryland's Texas Ratio?
Its Texas Ratio is 4.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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