TellerScore

Headquartered in Berlin, Maryland, Calvin B. Taylor Banking Company of Berlin, Maryland is a state-chartered bank with $1.0B in total assets and $881.5M in deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 1890.

Based on its Q2 2026 filing, Calvin B. Taylor Banking Company of Berlin, Maryland scores 81/100, which we describe as strong. That is higher than 91% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Maryland, it ranks 2nd. Its strongest component is problem-loan coverage (91/100; 4.3%), and its lowest is loan quality (72/100; 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.65%
Loan quality72/100
Noncurrent loans ÷ total loans: 0.83%
Earnings79/100
Return on assets (annualized): 1.49%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 11.3% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (88 → 81), mostly because the loan quality component weakened by 21 points.

TellerScore
818588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202485
Q4 202484
Q1 202587
Q2 202588
Q3 202587
Q4 202586
Q1 202687
Q2 202681
Tier 1 leverage ratio
5.00%9.32%13.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.39%
Q3 202412.65%
Q4 202412.97%
Q1 202513.42%
Q2 202513.42%
Q3 202513.03%
Q4 202513.08%
Q1 202613.50%
Q2 202613.65%
Noncurrent loans
0.10%0.46%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.14%
Q4 20240.35%
Q1 20250.24%
Q2 20250.22%
Q3 20250.21%
Q4 20250.21%
Q1 20260.21%
Q2 20260.83%
Return on assets
1.34%1.47%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.43%
Q4 20241.45%
Q1 20251.58%
Q2 20251.60%
Q3 20251.60%
Q4 20251.57%
Q1 20261.55%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.0B13.65%0.83%1.49%78.8%
Q1 202687$993.5M13.50%0.21%1.55%79.8%
Q4 202586$986.2M13.08%0.21%1.57%76.8%
Q3 202587$1.0B13.03%0.21%1.60%72.4%
Q2 202588$966.9M13.42%0.22%1.60%76.1%
Q1 202587$947.1M13.42%0.24%1.58%77.5%
Q4 202484$935.3M12.97%0.35%1.45%76.5%
Q3 202485$958.5M12.65%0.14%1.43%70.0%
Q2 202486$896.4M13.39%0.10%1.34%76.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.65%
88th
Total risk-based capital0.00%
13th
Problem loans0.83%
33rd
Net charge-offs0.01%
63rd
Return on assets1.49%
69th
Net interest margin3.97%
66th
Efficiency ratio50.0%
76th
Loans to deposits78.8%
71st
Uninsured deposits11.3%
95th
Loan-loss reserves0.79%
14th
Texas ratio4.3%
44th

Similar-size banks in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Presidential Bank, FSBBank Bethesda, MD51 out of 100, Below average$1.0B9.6%1.64%vs
Middletown Valley BankBank Middletown, MD63 out of 100, Moderate$1.2B9.2%0.12%vs
Rosedale BankBank Nottingham, MD78 out of 100, Strong$1.4B18.6%0.52%vs
First United Bank & TrustBank Oakland, MD75 out of 100, Strong$2.1B11.6%0.31%vs
Capital Bank, National AssociationBank Rockville, MD46 out of 100, Below average$3.8B9.0%2.05%vs
CFG BankBank Lutherville, MD51 out of 100, Below average$6.1B11.3%3.86%vs

Deposit insurance

Is my money safe at Calvin B. Taylor Banking Company of Berlin, Maryland?

Yes. Calvin B. Taylor Banking Company of Berlin, Maryland is an FDIC-insured institution (FDIC certificate #5874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.3% of deposits ($99.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Calvin B. Taylor Banking Company of Berlin, Maryland lists 12 offices in 8 cities across 3 states. Most locations:

  • Berlin, MD (3)
  • Ocean City, MD (3)
  • Cape Charles, VA (1)
  • Chincoteague, VA (1)
  • Ocean View, DE (1)
  • Onley, VA (1)
  • Pocomoke City, MD (1)
  • Snow Hill, MD (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Calvin B. Taylor Banking Company of Berlin, Maryland reported 205 home-loan applications under HMDA (LEI 5493005NXMQ7SP5TOF96): 126 originated ($42,550,000 total), 30 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Calvin B. Taylor Banking Company of Berlin, Maryland
Type
State-chartered bank
FDIC certificate #
5874
RSSD ID
39327
Primary regulator
FDIC
Holding company
Calvin B Taylor Bankshares Inc
Established
January 1, 1890
Headquarters
24 N Main St, Berlin, MD 21811
Employees
125

Quick answers

Calvin B. Taylor Banking Company of Berlin, Maryland: common questions

Is Calvin B. Taylor Banking Company of Berlin, Maryland FDIC insured?

Yes. Calvin B. Taylor Banking Company of Berlin, Maryland is an FDIC-insured institution (FDIC certificate #5874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Calvin B. Taylor Banking Company of Berlin, Maryland's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Calvin B. Taylor Banking Company of Berlin, Maryland ever failed?

There is no failure record for FDIC certificate #5874 in the FDIC failed bank list.

How many branches does Calvin B. Taylor Banking Company of Berlin, Maryland have?

12 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Berlin

InstitutionScoreAssetsCapitalProblem loansCompare
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
Tidemark Federal Credit UnionCredit union Seaford, DE83 out of 100, Strong$468.5M14.4%0.33%vs
First Financial of Maryland Federal Credit UnionCredit union Sparks, MD79 out of 100, Strong$1.4B16.7%0.54%vs
First Shore Federal Savings and Loan AssociationBank Salisbury, MD78 out of 100, Strong$366.5M17.4%0.82%vs
The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs