FDIC Cert #5874 · Berlin, Maryland · Est. 1890

Calvin B. Taylor Banking Company of Berlin, Maryland - FDIC Bank Health Profile

A community-scale look at Calvin B. Taylor Banking Company of Berlin, Maryland's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$986M
Total assets
A
Health grade · Excellent
1.57%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

Calvin B. Taylor Banking Company of Berlin, Maryland earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.08% Tier 1, profitable at 1.57% ROA, efficient (48% cost ratio).

#1,056
largest of 4,313 FDIC banks by assets
76th
percentile by asset size, nationally
13.08%
Tier 1 ratio - above the 10% well-capitalized line
77th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5874 · MD A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #350/4307
  • PHOTO-FINISH Audubon State Bank · IA
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-STRONG 1.57% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Audubon State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Calvin B. Taylor Banking Company of B…

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Amboy Bank · NJ · near95/100Audubon State Bank · IA · ne…95/100Calvin B. Taylor Ban… · MD ·…95/100The First National B… · TX ·…95/100Wells Fargo Bank Sou… · TX ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Calvin B. Taylor Banking Company of B… · July 2026

Call Report read for Calvin B. Taylor Banking Company of B… in a high-failure state

Calvin B. Taylor Banking Company of Berlin, Maryland (FDIC Cert #5874) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #350 of 4,307. Tier 1 capital prints at 13.08%, clearing the 10% well-capitalized line. The Texas Ratio is 1.04%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.57%. Balance-sheet scale is $986M, 1,056th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Audubon State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Calvin B. Taylor Banking Company of B…

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Calvin B. Taylor Banking Company of Berlin, Maryland sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Calvin B. Taylor Banking Company of Berlin, Maryland's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Calvin B. Taylor Banking Company of Berlin, Maryland's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Calvin B. Taylor Banking Company of Berlin, Maryland's composite health score
Tier 1 Capital Ratio (13.08%) 35/40
Return on Assets (ROA) (1.57%) 25/25
Texas Ratio (1.04%) 20/20
Efficiency Ratio (47.51%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$986M

Total balance-sheet footings

Total Deposits

$854M

Customer-funded liabilities

Net Loans

$656M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.68% 13.08% 14.48%
Basel III capital ratios - Calvin B. Taylor Banking Company of Berlin, Maryland

Where Calvin B. Taylor Banking Company of Berlin, Maryland ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Calvin B. Taylor Banking Company of Berlin, Maryland's score of 95/100 falls in the highlighted band.

Calvin B. Taylor Banking Company of Berlin, Maryland: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 8% higher than 92% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Calvin B. Taylor Banking Company of B… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Calvin B. Taylor Banking Company of Berlin, Maryland's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Calvin B. Taylor Banking Company of Berlin, Maryland's $986M falls in the highlighted band.

Capital & credit buffers at Calvin B. Taylor Banking Company of B…

Tier 1 capital ratio
Well-capitalized 10%

13.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.08%
Texas Ratio
1.04%
Equity Capital
$127M

What these ratios mean →

Earnings posture at Calvin B. Taylor Banking Company of B…

Return on Assets (ROA)
77th percentile nationally
1.57%
Return on Equity (ROE)
12.62%
Efficiency Ratio
47.51%

What these mean →

Income & expense at Calvin B. Taylor Banking Company of B…

$46M
Interest Income
$6M
Non-Interest Income
$20M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Calvin B. Taylor Banking Company of Berlin, Maryland reports a Texas Ratio of 1.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Calvin B. Taylor Banking Company of Berlin, Maryland on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($986M here), outside Maryland so the neighborhood is not state containment.

First National Bank of Michigan $986M · MI Nebraskaland Bank $986M · NE Clear Mountain Bank $985M · WV Farmers and Merchants Bank $988M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Calvin B. Taylor Banking Company of Berlin, Maryland (FDIC Cert #5874) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Calvin B. Taylor Banking Company of Berlin, Maryland Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%