The Camden National Bank
The Camden National Bank reported total assets of $6.9 bn at Q2 2026, up 0.5% on a year earlier, the 220th largest of 497 banks in our US coverage. The CET1 capital ratio at The Camden National Bank was 12.73%, and the uninsured share of The Camden National Bank was 24.07%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), The Camden National Bank climbed from 401st to 226th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , The Camden National Bank has taken over 2 institutions; the latest was Northway Bank on (FDIC Call Reports).
What sets The Camden National Bank apart
How large is The Camden National Bank?
The balance sheet of The Camden National Bank at : assets $6.9 bn, deposits $5.6 bn, net loans $5.0 bn (loans equal to 88.92% of deposits). Securities make up 19.5% of total assets at The Camden National Bank. Since , when The Camden National Bank held $3.7 bn, its assets grew 86.1%. In the year to , deposits at The Camden National Bank rose 0.8% while its total assets rose 0.5%. At , The Camden National Bank employed 679 full-time equivalent staff across 74 offices, about $10.2 mn of assets per employee and $75.6 mn of deposits per office.
How much funding at The Camden National Bank is uninsured?
At The Camden National Bank, uninsured deposits (above the FDIC limit) made up 24.07% of domestic deposits at (+2.25 pp on a year earlier); The Camden National Bank ranks 382nd of 500 on this measure. In dollars, The Camden National Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | +0.8% | 223rd of 499 |
| Net loans and leases | $5.0 bn | +1.5% | 212th of 500 |
| Loan-to-deposit ratio | 88.92% | +0.55 pp | 215th of 500 |
| Tier 1 leverage ratio | 9.12% | +0.75 pp | 415th of 500 |
| Total risk-based capital ratio | 13.69% | +0.83 pp | 286th of 448 |
| Net interest margin | 3.37% | +0.03 pp | 327th of 500 |
| Return on assets (ROA) | 1.35% | +0.63 pp | 224th of 500 |
| Efficiency ratio | 52.35% | -10.85 pp | 176th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $30.7 mn | Narrowed by $7.4 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $45.0 mn | Narrowed by $11.9 mn | |
| Noncurrent loans to total loans | 0.24% | -0.12 pp | 80th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | -0.02 pp | 171st of 500 (1 = lowest) |
US rank of The Camden National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
The Camden National Bank: assets, deposits and loans
- Total assets $6.9bn
- Deposits $5.6bn
- Net loans $5.0bn
Capital and securities
The CET1 ratio of The Camden National Bank stood at 12.73% in , +1.05 pp year on year. Low and high at The Camden National Bank since : 10.77% () to 13.40% (). Equity capital of The Camden National Bank at : $749.9 mn, or 10.8% of total assets. The Camden National Bank also reported a total capital ratio of 13.69% for , and a tier 1 leverage ratio of 9.12%.
On held-to-maturity securities, The Camden National Bank carried an unrealized loss of $30.7 mn at , equal to 4.1% of equity capital. The loss narrowed by $7.4 mn over the year. Its deepest point: $66.4 mn in . The available-for-sale portfolio of The Camden National Bank showed an unrealized loss of $45.0 mn at ; the loss narrowed by $11.9 mn over the year.
The Camden National Bank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.1%
The Camden National Bank: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity -$31mn
Profitability and loan quality
For the year to , The Camden National Bank earned a return on equity of 12.70%; return on assets: 1.35%. Net interest margin at The Camden National Bank: 3.37%, +0.03 pp in a year. The Camden National Bank net income: $46.8 mn, up 98.8% year on year. The efficiency ratio of The Camden National Bank was 52.35%: about 52 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 0.24% of total loans at The Camden National Bank; net charge-offs: 0.04% of average loans. Gross loans and leases at The Camden National Bank: $5.0 bn, up 1.3% in a year.
The Camden National Bank: profitability
- Return on equity 13%
- Net interest margin 3.4%
- Return on assets 1.3%
Peer group of The Camden National Bank
The peer group of The Camden National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of The Camden National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Maine. Against them, The Camden National Bank shows CET1 ratio 12.73% against a peer median of 12.63%, return on equity 12.70% against a peer median of 12.53% and uninsured deposit share 24.07% against a peer median of 28.18%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Mid Penn Bank | State nonmember bank | PA | $7.0 bn | 12.55% | 9.89% | 20.01% | |
| Cambridge Savings Bank | State nonmember bank | MA | $7.0 bn | 12.63% | 3.53% | 29.26% | |
| Community Trust Bank, Inc. | State member bank | KY | $6.9 bn | not reported | 12.47% | 29.60% | |
| The Camden National Bank | National bank | ME | $6.9 bn | 12.73% | 12.70% | 24.07% | |
| Old Second National Bank | National bank | IL | $6.9 bn | 13.72% | 12.59% | 27.10% | |
| First National Bank of America | National bank | MI | $6.8 bn | 15.28% | 34.72% | 18.66% | |
| Hinsdale Bank & Trust Company | National bank | IL | $6.8 bn | 10.60% | 14.28% | 36.65% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Camden National Bank, to : assets +21.1%, deposits +21.3%, equity +37.9%. Staff 569 to 679; offices 58 to 74.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.7 bn | $5.8 bn | $6.9 bn | $6.9 bn | $7.0 bn | $7.0 bn | $7.0 bn | $6.9 bn |
| Total deposits | $4.6 bn | $4.7 bn | $5.6 bn | $5.5 bn | $5.4 bn | $5.6 bn | $5.6 bn | $5.6 bn |
| Bank equity capital | $543.6 mn | $539.3 mn | $671.5 mn | $687.5 mn | $708.7 mn | $724.7 mn | $735.7 mn | $749.9 mn |
| CET1 ratio | 13.24% | 13.40% | 11.51% | 11.68% | 11.89% | 12.31% | 12.59% | 12.73% |
| Return on equity (ROE) | 10.25% | 10.56% | 5.53% | 7.44% | 9.32% | 10.35% | 12.48% | 12.70% |
| Uninsured share of domestic deposits | 21.24% | 22.55% | 21.06% | 21.82% | 21.52% | 22.60% | 23.41% | 24.07% |
| Full-time equivalent employees | 569 | 570 | 702 | 702 | 674 | 676 | 670 | 679 |
| Number of offices | 58 | 58 | 76 | 74 | 74 | 74 | 74 | 74 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Camden National Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The Bank of Maine (FDIC certificate 19686).
- . Absorbed Acadia Trust, National Association (FDIC certificate 33597).
- . Absorbed Northway Bank (FDIC certificate 14240).
Questions and identifiers
What were the total assets of The Camden National Bank?
The Camden National Bank reported $6.9 bn at in its Call Report. That makes The Camden National Bank the 220th largest of 497 banks in our US coverage.
Is The Camden National Bank the same as its holding company?
No. This page covers The Camden National Bank, FDIC certificate 4255; CAMDEN NATIONAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The Camden National Bank profitable?
The Camden National Bank reported net income of $46.8 mn for the year to ; annualized return on equity: 12.70%. So yes: The Camden National Bank made a profit over these months.
When is data for The Camden National Bank next updated?
Figures from The Camden National Bank for are due after .
Where can I check the figures for The Camden National Bank?
In the FDIC BankFind Suite record for certificate 4255, and in the Call Reports of The Camden National Bank (RSSD ID 593007) at the FFIEC Central Data Repository.