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The Camden National Bank
Camden, ME·FDIC Cert #4255·Charter: OCC·Est. 18750101.0·HC: CAMDEN NATIONAL CORP
Total Assets
$7.0B
Q4 2025
Return on Assets
1.03%
+0.11%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.09%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.03%+0.11
ROE
10.35%+1.03
Efficiency
57.09%-2.15
Equity/Assets
0.00%+0.00
NPL Ratio
0.14%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.50%-2.85
Charge-offs
0.32%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 0.9 | 0.9 | 1.0 | 0.5 | 0.7 | 0.9 | 1.0 |
| ROE | 10.8 | 10.3 | 10.3 | 10.6 | 5.5 | 7.4 | 9.3 | 10.3 |
| Efficiency | 64.3 | 63.2 | 63.1 | 61.8 | 69.9 | 63.2 | 59.2 | 57.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.4 | 0.2 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.3 | 0.3 |
| Loan/Deposit | 89.3 | 90.6 | 88.8 | 87.6 | 86.1 | 88.4 | 91.4 | 88.5 |
Balance Sheet
Total Assets$7.0B
Total Deposits$5.6B
Total Loans$4.9B
Total Equity$724.7M
Profitability
ROA1.03%
ROE10.35%
Efficiency Ratio57.09%
Net Income$69.0M
Risk & Asset Quality
NPL Ratio0.14%
Charge-off Rate0.32%
Loan/Deposit88.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans