BlastPoint's Banking Scorecard

Calvin B. Taylor Banking Company of Berlin, Maryland

$1B-$10B Specialty: Commercial MD FDIC cert 5874

Designations: ✓ Community bank

Berlin, MD

12 branches across MD · VA · DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
Deposits +4.7% year over year ($881.5M on the books).
Delinquency rate 0.83%.
Return on assets 1.49%.
Efficiency ratio 50.04% vs a 59.73% peer average.
Loan-to-deposit ratio 78.83% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 10 in MD

View $1B-$10B leaderboard (MD) →

Calvin B. Taylor Banking Company of Berlin, Maryland has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.09% above tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 9.69% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 12.9% in tier
- Margin Compression: Bottom 47.1% in tier

Get updates when Calvin B. Taylor Banking Company of Berlin, Maryland releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$1.0B +5.4% YoY +2.6% QoQ	-$1.8B	$2.8B -0.6% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	Bottom 1.6% in tier
Total Loans ?	$694.9M +8.4% YoY +1.4% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	Bottom 7.8% in tier
Total Deposits ?	$881.5M +4.7% YoY +2.7% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	Bottom 5.6% in tier
Return on Assets ?	1.49% -6.9% YoY -4.2% QoQ	+0.09%	1.39% +17.0% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.97% +5.7% YoY +0.9% QoQ	+0.10%	3.87% +6.2% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	66%
Efficiency Ratio ?	50.04% +11.2% YoY +3.9% QoQ	-9.69%	59.73% -12.6% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.83% +279.9% YoY +288.1% QoQ	-0.03%	0.87% +11.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	78.83% +3.6% YoY -1.2% QoQ	-6.21%	85.04% -0.1% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	28.01% -5.6% YoY +5.8% QoQ	+6.74%	21.27% -1.5% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.57% +291.0% YoY +283.7% QoQ	-0.11%	0.67% +11.7% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	38%
Tier 1 Capital Ratio ?	13.65% +1.7% YoY +1.1% QoQ	-1.20%	14.84% -0.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.21% -47.0% YoY +102.6% QoQ	-0.32%	0.53% +2.5% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	28.0% -1.7pp YoY +1.5pp QoQ	+6.6pp	21.4%	21.3%	22.2%	80%
Brokered Deposits	n/a	n/a	9.5%	10.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	6.5% -0.7pp YoY +0.1pp QoQ	-7.5pp	14.0%	8.9%	12.5%	26%
CRE	54.8% -0.6pp YoY -1.0pp QoQ	+4.8pp	50.0%	50.0%	41.4%	64%
1-4 Family	36.0% +1.4pp YoY +0.1pp QoQ	+9.5pp	26.4%	37.9%	31.3%	76%
Consumer	0.8% +0.5pp YoY +0.4pp QoQ	-3.9pp	4.7%	3.2%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.4%	19.7%	n/a
Leverage Ratio	13.6% +0.2pp YoY +0.1pp QoQ	+2.3pp	11.3%	13.0%	12.6%	88%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	125 +10 (+8.7%) YoY +6 (+5.0%) QoQ	-189	313	170	482	15%
Assets per Employee ($)	$8.2M -3.0% YoY -2.4% QoQ	-$2.3M	$10.5M	$9.4M	$8.8M	42%
Branch Count	12 0 YoY 0 QoQ	-8	20	9	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	64%
Nonaccrual	0.8% +0.6pp YoY +0.6pp QoQ	0.0pp	0.8%	1.1%	1.0%	65%
Allowance Coverage	0.95x -71.5% YoY -73.0% QoQ	-17.76x	18.71x	46.66x	20.23x	22%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	11.6% -1.4pp YoY -0.5pp QoQ	-1.0pp	12.6%	8.0%	11.6%	46%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.9%	1.7%	8%
Net Income ($, YTD)	$7.4M -2.1% YoY — QoQ	-$11.8M	$19.2M	$8.4M	$40.4M	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk

#5 of 31 • Bottom 12.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 50.04%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Margin Compression

decline

#41 of 85 • Bottom 47.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.49%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

180

Non-Interest-Bearing Deposit Share

funding

Value: 28.01%

Peer Median: 21.27%

#180 of 885 Top 20.2% in $1B-$10B

207

Efficiency Ratio

profitability

Value: 50.04%

Peer Median: 59.73%

#207 of 885 Top 23.3% in $1B-$10B

Top Weaknesses (3 metrics)

872

Total Assets

size

Value: $1.02B

Peer Median: $2.79B

#872 of 885 Bottom 1.6% in $1B-$10B

836

Total Deposits

size

Value: $881.50M

Peer Median: $2.32B

#836 of 885 Bottom 5.6% in $1B-$10B

817

Total Loans

size

Value: $694.87M

Peer Median: $1.96B

#817 of 885 Bottom 7.8% in $1B-$10B