Camden, ME · Cert 4255 · Camden National Corp.
National charter · OCC · 72 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
71
Profitability
45
Liquidity
99
Efficiency
69
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Camden, ME · Cert 4255 · Camden National Corp.
National charter · OCC · 72 branches
Q2 2026
Market Position · Portland-South Portland, ME · 2026 SOD (annual) · 5.5% share · #8 of 23 inst. · $1.3B of $22.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.97% | 0.53% | 0.72% | 0.91% | 1.03% | 1.31% | 1.35% | +63 bps | |
| Return on Equity | 10.25% | 10.56% | 5.53% | 7.44% | 9.32% | 10.35% | 12.48% | 12.70% | +526 bps | |
| Net Interest Margin | 2.33% | 2.36% | 2.95% | 2.97% | 3.00% | 3.03% | 3.15% | 3.17% | +19 bps | |
| Efficiency Ratio | 63.10% | 61.77% | 69.93% | 63.21% | 59.24% | 57.09% | 52.42% | 52.35% | -1,085 bps | |
| Non-Interest Burden | 1.18% | 1.15% | 1.89% | 1.65% | 1.51% | 1.44% | 1.35% | 1.33% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | 1.58% | 20.11% | 20.90% | 21.64% | 20.32% | 0.05% | 0.55% | -2,035 bps | |
| Loan Growth (YoY) | 1.45% | 0.44% | 18.53% | 19.27% | 21.42% | 20.69% | 1.73% | 1.30% | -1,797 bps | |
| Deposit Growth (YoY) | -2.24% | 0.85% | 22.82% | 21.95% | 17.95% | 19.36% | -0.19% | 0.84% | -2,111 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.12% | 0.15% | 0.37% | 0.17% | 0.14% | 0.22% | 0.24% | -12 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.08% | 0.05% | 0.33% | 0.31% | 0.04% | 0.04% | -1 bps | |
| Allowance / Loans | 0.86% | 0.87% | 0.95% | 1.07% | 0.91% | 0.91% | 0.92% | 0.91% | -16 bps | |
| Allowance Coverage of NPLs | 6.6x | 7.4x | 6.4x | 2.9x | 5.5x | 6.4x | 4.2x | 3.8x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.36% | 8.17% | 8.37% | 8.52% | 8.64% | 8.92% | 9.12% | +75 bps | |
| Total Risk-Based Capital | 14.19% | 14.36% | 12.55% | 12.85% | 12.89% | 13.26% | 13.54% | 13.69% | +83 bps | |
| Equity / Assets | 9.49% | 9.31% | 9.66% | 9.96% | 10.17% | 10.40% | 10.58% | 10.80% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.56% | 88.33% | 86.92% | 89.33% | 92.19% | 89.31% | 88.59% | 89.73% | +41 bps | |
| Liquid Assets / Assets | 10.41% | 11.58% | 9.38% | 7.60% | 7.47% | 7.34% | 7.83% | 6.90% | -71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 367% | 361% | 356% | n/a | n/a | |
Camden, ME · Cert 4255 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Camden National Corp.
National charter · OCC · 72 branches
Q2 2026
Return on Assets
1.35%
Rank 72 of 176
Net Interest Margin
3.17%
Rank 140 of 176
Efficiency Ratio
54.37%
Rank 56 of 176
Equity / Assets
10.80%
Rank 76 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.93% | 1.26% | 1.54% | Beats 59% | 72 / 176 | ||
| Return on Equity | 12.48% | 9.26% | 11.89% | 14.46% | Beats 55% | 80 / 176 | ||
| Net Interest Margin | 3.17% | 3.25% | 3.59% | 3.93% | Beats 20% | 140 / 176 | ||
| Efficiency Ratio | 54.37% | 52.79% | 59.55% | 67.66% | Beats 69% | 56 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.30% | 0.64% | 1.32% | Beats 83% | 32 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 59% | 73 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.73% | 11.15% | 12.72% | 14.15% | Beats 51% | 87 / 176 | ||
| Total Risk-Based Capital Ratio | 13.69% | 11.81% | 13.63% | 15.33% | Beats 51% | 86 / 176 | ||
| Equity / Assets | 10.80% | 9.16% | 10.35% | 11.80% | Beats 57% | 76 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.73% | 80.94% | 89.73% | 97.21% | 50th pctl | 88 / 176 | ||
| Loans / Assets | 72.30% | 69.25% | 75.12% | 80.82% | 37th pctl | 111 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||