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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.07% | 0.53% | 0.88% | 1.27% | 1.34% | 1.31% | 1.38% | +51 bps | |
| Return on Equity | 10.24% | 11.34% | 5.53% | 8.93% | 12.62% | 13.07% | 12.48% | 12.94% | +400 bps | |
| Net Interest Margin | 2.42% | 2.52% | 2.95% | 2.98% | 3.09% | 3.22% | 3.15% | 3.18% | +20 bps | |
| Efficiency Ratio | 62.92% | 58.14% | 69.93% | 56.72% | 51.82% | 51.16% | 52.42% | 52.29% | -443 bps | |
| Non-Interest Burden | 1.21% | 1.10% | 1.89% | 1.40% | 1.25% | 1.29% | 1.35% | 1.30% | -10 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% | 0.04% | 0.08% | 0.02% | 0.88% | 0.26% | 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 | |