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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.91% | 1.03% | 1.31% | 1.35% | +63 bps | |
| Return on Equity | 7.44% | 9.32% | 10.35% | 12.48% | 12.70% | +526 bps | |
| Net Interest Margin | 2.97% | 3.00% | 3.03% | 3.15% | 3.17% | +19 bps | |
| Efficiency Ratio | 63.21% | 59.24% | 57.09% | 52.42% | 52.35% | -1,085 bps | |
| Non-Interest Burden | 1.65% | 1.51% | 1.44% | 1.35% | 1.33% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.90% | 21.64% | 20.32% | 0.05% | 0.55% | -2,035 bps | |
| Loan Growth (YoY) | 19.27% | 21.42% | 20.69% | 1.73% | 1.30% | -1,797 bps | |
| Deposit Growth (YoY) | 21.95% | 17.95% | 19.36% | -0.19% | 0.84% | -2,111 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.17% | 0.14% | 0.22% | 0.24% | -12 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.33% | 0.31% | 0.04% | 0.04% | -1 bps | |
| Allowance / Loans | 1.07% | 0.91% | 0.91% | 0.92% | 0.91% | -16 bps | |
| Allowance Coverage of NPLs | 2.9x | 5.5x | 6.4x | 4.2x | 3.8x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.37% | 8.52% | 8.64% | 8.92% | 9.12% | +75 bps | |
| Total Risk-Based Capital | 12.85% | 12.89% | 13.26% | 13.54% | 13.69% | +83 bps | |
| Equity / Assets | 9.96% | 10.17% | 10.40% | 10.58% | 10.80% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.33% | 92.19% | 89.31% | 88.59% | 89.73% | +41 bps | |
| Liquid Assets / Assets | 7.60% | 7.47% | 7.34% | 7.83% | 6.90% | -71 bps | |
| CRE / Total Capital | n/a | 367% | 361% | 356% | n/a | n/a | |