Calvin B. Taylor Banking Company of Berlin, Maryland: how it compares with its peers
Against 10 MD banks with half to twice its assets, Calvin B. Taylor Banking Company of Berlin, Maryland's strongest measure in Q2 2026 is return on assets (1.49% vs. a 0.99% peer median). Its weakest relative measure is assets per employee ($8.2M vs. $7.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 0.99% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.66% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.04% | 61.99% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.9M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.83% | 86.81% | Context |
What it means for lending operations
Its efficiency ratio of 50.04% is better than the 61.99% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Presidential Bank, FSB Bethesda, MD · $1.01B
- Farmers and Merchants Bank Upperco, MD · $874M
- BayVanguard Bank Baltimore, MD · $869M
- Middletown Valley Bank Middletown, MD · $1.19B
- Hebron Savings Bank Hebron, MD · $839M
- Harford Bank Aberdeen, MD · $777M
Questions about Calvin B. Taylor Banking Company of Berlin, Maryland
How big is Calvin B. Taylor Banking Company of Berlin, Maryland?
Calvin B. Taylor Banking Company of Berlin, Maryland, established in 1890, is headquartered in Berlin, MD. It reported $1.02B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Calvin B. Taylor Banking Company of Berlin, Maryland's return on assets?
1.49% annualized in Q2 2026, against a 0.99% median for 10 MD banks with half to twice its assets, ahead of 90% of them.
What is Calvin B. Taylor Banking Company of Berlin, Maryland's efficiency ratio?
50.04% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 61.99%, and lower is better.
Is Calvin B. Taylor Banking Company of Berlin, Maryland growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Maryland bank ranked.