Calvin B Taylor Bankshares

What Calvin B Taylor Bankshares does

Calvin B. Taylor Bankshares, Inc. is a Maryland-incorporated bank holding company whose sole operating subsidiary is Calvin B. Taylor Bank, a regional community bank founded in 1890 and headquartered in Berlin, Maryland. The company is publicly traded on the OTCQX market under the ticker TYCB and serves individuals and small to medium-sized businesses across the Delmarva Peninsula through 13 branch offices and a Loan Production Office spanning Worcester, Wicomico, Sussex, Accomack, and Northampton counties.

The bank's product portfolio centers on core retail and commercial banking: deposit products (For Good Checking, savings, money market, CDs, IRAs, HSAs), consumer and residential lending (mortgages, HELOCs, personal loans), and commercial banking (business checking, lines of credit, business loans, commercial real estate financing, ACH, wire transfers, Positive Pay fraud protection, Remote Deposit Capture, and credit/debit card payment processing). Distribution and operations run through a four-layer stack: physical branches, the Tally by Taylor Bank online and mobile banking platform, an ATM network, and a relationship-manager and business-banker field force focused on commercial and SMB relationship building. Digital wallet support (Apple Pay, Google Pay, Samsung Pay) on Visa debit and IntraFi Network Deposits / CDARS integration provide institutional-grade deposit insurance coverage.

Revenue is generated primarily through net interest income from the spread between loan yields and deposit costs—$35.5 million in 2025, up 16.4% year-over-year—supplemented by transaction fees from deposit account servicing, ATM and debit card interchange, wire and ACH transfers, and payment processing for business customers. Non-interest income is recognized as a stream but not separately quantified in disclosures. The bank has demonstrated margin discipline, lifting NIM from 3.56% to 3.82% in 2025 while growing loans 5.0% and deposits 4.4%, and it returns capital through a quarterly dividend that increased 5% in 2025 alongside share repurchases.

Name

Calvin B Taylor Bankshares

Legal name

Calvin B. Taylor Bankshares, Inc.

Website

https://taylorbank.com

Company type

Public

Founded year

1890

Operating status

Operating

Headcount range

51–100 employees

Short description

Calvin B. Taylor Bankshares is the holding company for Taylor Bank, a regional community bank founded in 1890 that serves individuals, small businesses, and nonprofits on the Delmarva Peninsula through 13 branches and a Loan Production Office across Maryland, Delaware, and Virginia.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Community banking services
• Retail deposit accounts
• Commercial lending products
• Mortgage and home equity
• Digital banking platform

Headquarters

HQ city

Berlin

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Primary revenue source from the spread between interest earned on loans (mortgages, commercial loans, consumer loans) and interest paid on deposits. In 2025, net interest income was $35.5 million, a 16.4% increase from the prior year.
2. Non-Interest Income: Fees from deposit account service charges, ATM fees, debit card interchange fees, wire transfer fees, and other banking service charges.
3. Payment Processing Services: Credit and debit card processing services for business customers, generating transaction-based revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Taylor Bank is a regional community bank that provides a full-service line of personal and business banking products and services across the Delmarva Peninsula. Core offerings include consumer deposit accounts (checking, savings, money market, CDs, IRAs, HSAs), consumer loans (mortgages and home equity lines of credit), commercial banking products (business checking, business loans, lines of credit, commercial real estate financing), and cash management solutions (payment processing, ACH transfers, wire transfers, Positive Pay fraud protection, Remote Deposit Capture). The bank operates 13 branches in Maryland, Delaware, and Virginia, supplemented by its proprietary Tally by Taylor Bank digital banking platform and a Loan Production Office in Salisbury, MD.

Product overview

Taylor Bank operates as a regional community bank offering a comprehensive suite of personal and business banking products and services. The core product portfolio centers on deposit accounts (checking, savings, money market, CDs, IRAs, and HSAs) and lending products (HELOCs, mortgages, and commercial loans). The bank differentiates through community-focused products including For Good Checking (which donates a portion of debit card transactions to local nonprofits via the For Good Fund) and the Calvin B. Taylor Memorial Scholarship program. Business banking includes a full suite of cash management tools including Positive Pay fraud protection, ACH transfers, wire transfers, payment processing, and Remote Deposit Capture. The Tally digital banking platform provides online and mobile banking across all products. The bank serves Maryland, Virginia, and Delaware markets with 13 branch locations and a Loan Production Office.

Differentiator

Problem solved

Functional benefit

Brands

• For Good Checking: A checking account with community benefits where Taylor Bank donates to the For Good Fund for every debit card transaction made.
• For Good Fund
• Calvin B. Taylor Memorial Scholarship
• Tally by Taylor Bank

Products and services

• For Good Checking Interest-bearing personal checking account with community impact features. A portion of every debit card transaction is contributed to the Taylor Bank For Good Fund supporting local nonprofits. Includes first five ATM fee refunds monthly and free basic checks.
• Personal Checking Accounts Various checking account options for personal banking customers, including Digital Banking and Bill Pay, Mobile Deposit, Visa Debit Card, and ATM access with FDIC insurance up to $250,000.
• Personal Savings, CDs, IRAs & HSAs Savings accounts, Certificates of Deposit, Individual Retirement Accounts, and Health Savings Accounts for personal banking customers with various term options and interest rates.
• Money Market Accounts Tiered money market savings with tiered interest rates starting at $750 minimum balance, offering competitive APY on balances of $100,000 and above.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity, allowing homeowners to access funds for major expenses with variable rates.
• Mortgages Residential mortgage lending including purchase and refinance options, with mortgage underwriting services provided through Taylor Bank's lending team.
• Business Checking Business deposit accounts including checking with features for transaction processing, ACH transfers, and cash management solutions.
• Business Loans Commercial lending products including expansion or renovation financing, vehicle or equipment loans, and commercial real estate loans.
• Lines of Credit

Quantifiable outcome

• Net income increased 17.9% to $15.4 million in 2025
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Community Foundation of the Eastern ShorecoreStrategic or Co-development Partner · 12 July 2024Taylor Bank partners with the Community Foundation of the Eastern Shore to administer the For Good Fund as a donor-advised fund. The Foundation helps plan and operate Taylor Bank's community philanthropy programs, including grant review and disbursement to local nonprofits.
• Cal Ripken Sr. FoundationcoreStrategic or Co-development Partner · 6 April 2023Taylor Bank pledged $40,000 to support the installation of STEM Center Programs at Nandua Middle School and Arcadia Middle School in Accomack County, Virginia. The partnership supports STEM education for students and represents the bank's community investment focus.
• Card and Merchant Service CompaniesminorGTM or Marketing PartnerJoint marketing partners referenced in the Privacy Notice, including card and merchant service companies that work with Taylor Bank for payment processing services.

Scale indicators11 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fulton Financial Corporation: Mid-Atlantic regional bank holding company (FULT) with branch presence in Delaware, Maryland, Pennsylvania, and Virginia. Larger community-banking competitor operating similar product set within Taylor Bank's footprint.
• Citizens Financial Group: Large Mid-Atlantic regional bank with branch presence across Delaware, Maryland, and Virginia. Represents the larger competitive incumbent against which Taylor Bank competes for deposits, mortgages, and SMB relationships; several former Citizens Bank branch managers now lead Taylor Bank branches.
• M&T Bank: Large regional bank with established Mid-Atlantic branch network including Delaware and Maryland. Comparable consumer and commercial banking product suite; competes for similar SMB and consumer customers in Taylor Bank's Delmarva service area.
• WSFS Financial Corporation: Delaware-headquartered bank holding company with strong Delaware Valley presence and a comparable mix of consumer, mortgage, and commercial banking. Competes for similar Mid-Atlantic deposit and SMB customers.
• First National Bank of Pennsylvania: Large Mid-Atlantic community banking franchise with presence across Pennsylvania, Maryland, and surrounding states. Comparable consumer/SMB banking model but at significantly larger scale.

Direct peers

• LINKBANK: Pennsylvania-based community bank (formerly known as Union Community Bank / FNCB) with operations extending into the Mid-Atlantic. Comparable in serving SMB and consumer customers with relationship banking; senior Taylor Bank commercial lender Trent Pusey was previously at LINKBANK.
• Burke & Herbert Bank: Virginia-based community bank with Northern Neck and Eastern Virginia branches. Closely comparable in scale and community banking orientation to Taylor Bank; competes for similar Eastern Virginia deposit and lending relationships.
• Howard Bancorp: Maryland-based community bank holding company serving the greater Baltimore / mid-Atlantic region. Comparable small-cap, community-focused banking model with similar deposit and commercial lending product mix.
• Shore Bancshares: Maryland-based community bank holding company (SHBI) operating multiple community bank brands on the Eastern Shore and greater Maryland region. Closely comparable to Taylor Bank in scale, Eastern Shore / Maryland deposit franchise focus, and community banking model.
• F&M Bank Corp: Virginia-headquartered community bank holding company (FMBM) operating in the Shenandoah Valley and Northern Virginia. Comparable small-cap publicly traded community bank with consumer/SMB banking focus in a similar regulatory and competitive Mid-Atlantic environment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/taylorbankforgood
• LinkedInlinkedin.com/company/taylorbankforgood
• Instagraminstagram.com/taylorbankforgood

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Calvin B Taylor Bankshares