BlastPoint's Banking Scorecard

Calvin B. Taylor Banking Company of Berlin, Maryland

$100M-$1B Specialty: Commercial MD FDIC cert 5874

Berlin, MD

12 branches across MD · VA · DE

2664 banks in the $100M-$1B peer group nationally 17 in MD

Calvin B. Taylor Banking Company of Berlin, Maryland demonstrates 3 strengths

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 0.28% above tier average
+ Efficiency Ratio 17.14% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$993.5M +4.9% YoY +0.7% QoQ	+$607.4M	$386.1M +0.5% YoY	$1.8B +4.9% YoY	$6.2B +9.1% YoY	Top 0.2% in tier
Total Loans ?	$685.3M +7.2% YoY +4.4% QoQ	+$429.6M	$255.7M +1.1% YoY	$1.3B +7.3% YoY	$3.2B +10.8% YoY	Top 2.9% in tier
Total Deposits ?	$858.7M +4.1% YoY +0.5% QoQ	+$530.7M	$328.0M +0.1% YoY	$1.6B +7.4% YoY	$4.8B +8.2% YoY	Top 0.5% in tier
Return on Assets ?	1.55% -2.1% YoY -1.0% QoQ	+0.28%	1.27% +12.9% YoY	0.90% +4.7% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	3.93% +7.8% YoY +1.5% QoQ	+0.00%	3.93% +6.0% YoY	3.69% +5.2% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	48.14% +8.6% YoY +1.3% QoQ	-17.14%	65.29% -4.5% YoY	68.69% -3.5% YoY	66.95% -4.1% YoY	Top 12.7% in tier
Delinquency Rate ?	0.21% -11.6% YoY +2.9% QoQ	-0.67%	0.89% +18.8% YoY	1.00% +1.9% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	79.81% +2.9% YoY +3.9% QoQ	+3.17%	76.64% +0.8% YoY	87.36% +2.8% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	26.48% -7.3% YoY -3.6% QoQ	+4.46%	22.02% -1.0% YoY	20.21% -0.6% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.15% -9.6% YoY +6.7% QoQ	-0.49%	0.64% +19.7% YoY	0.86% +7.2% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	13.50% +0.6% YoY +3.2% QoQ	-2.33%	15.83% +1.5% YoY	16.27% -0.9% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.10% -64.4% YoY -82.8% QoQ	-0.18%	0.28% +9.3% YoY	0.12% -21.7% YoY	0.32% +4.1% YoY	55%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Assets

size

Value: $993.46M

Peer Median: $386.08M

#6 of 2664 Top 0.2% in $100M-$1B

Total Deposits

size

Value: $858.72M

Peer Median: $327.97M

#14 of 2664 Top 0.5% in $100M-$1B

Total Loans

size

Value: $685.31M

Peer Median: $255.72M

#78 of 2664 Top 2.9% in $100M-$1B

338

Efficiency Ratio

profitability

Value: 48.14%

Peer Median: 65.29%

#338 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available