Calvin B. Taylor Banking Company of Berlin, Maryland

Berlin, MarylandFDIC Cert #5874

STATEEstablished 189012 branches

Holding company: CALVIN B TAYLOR BANKSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$121M
Investor CRE	$213M
Multifamily	$7.12M
Construction	$41.5M
1–4 family	$246M
C&I	$43.9M
Agriculture	$10.4M
Other	$8.21M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$691M

+7.3%y/y

Percentile by value94th percentileby value

FDICLNLSGR

Net loans

$685M

+7.2%y/y

Percentile by value95th percentileby value

FDICLNLSNET

Loans YoY

+7.18%

−10.6%y/y

Percentile by value59th percentileby value

FDICLNLSNET

L/D

79.8%

+2.9%y/y

Percentile by value48th percentileby value

FDICLNLSNET + DEP

Loans/assets

69.0%

+2.2%y/y

Percentile by value49th percentileby value

FDICLNLSNET + ASSET

RE loans %

93.42%

+3.1%y/y

Percentile by value76th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,604points

+9.2%y/y

Peer standing29th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

17.49%

+12.7%y/y

Percentile by value74th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

30.81%

+4.1%y/y

Percentile by value91st percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.35%

−16.4%y/y

Percentile by value30th percentileby value

FDICLNCI + LNLSGR