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 (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
67
Profitability
50
Liquidity
88
Efficiency
67
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 (n=313-319) · Camden National Corp.
National charter · OCC · 72 branches
Q2 2026
Return on Assets
1.35%
Rank 118 of 319
Net Interest Margin
3.17%
Rank 221 of 319
Efficiency Ratio
54.37%
Rank 106 of 319
Equity / Assets
10.80%
Rank 133 of 319
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.91% | 1.21% | 1.53% | Beats 63% | 118 / 319 | ||
| Return on Equity | 12.48% | 8.49% | 11.44% | 14.57% | Beats 57% | 136 / 319 | ||
| Net Interest Margin | 3.17% | 3.06% | 3.43% | 3.81% | Beats 31% | 221 / 319 | ||
| Efficiency Ratio | 54.37% | 51.90% | 59.57% | 67.64% | Beats 67% | 106 / 319 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.25% | 0.54% | 1.18% | Beats 76% | 75 / 313 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.12% | Beats 57% | 135 / 313 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.73% | 11.74% | 12.99% | 15.28% | Beats 45% | 174 / 319 | ||
| Total Risk-Based Capital Ratio | 13.69% | 12.61% | 14.01% | 16.23% | Beats 44% | 180 / 319 | ||
| Equity / Assets | 10.80% | 9.03% | 10.33% | 12.01% | Beats 58% | 133 / 319 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.73% | 76.76% | 88.16% | 95.43% | 54th pctl | 143 / 314 | ||
| Loans / Assets | 72.30% | 65.79% | 74.05% | 79.84% | 43rd pctl | 181 / 319 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||