Camden National Bank
Camden National Bank is an FDIC-insured commercial bank headquartered in Camden, ME, supervised by the OCC, with $7.04B in total assets at Q3 2026, up 1.0% from Q3 2025, the 2nd largest of 22 banks headquartered in Maine. It was established in 1875 and holds FDIC certificate 4255. Its CET1 capital ratio was 12.99% at Q3 2026, above regulatory requirements.
Also written as CNB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4255
- Headquarters
- Camden, ME
- Established
- 1875
- Total assets, Q3 2026
- $7.04B
- Assets vs Q3 2025
- +1.0%
- CET1 ratio, Q3 2026
- 12.99%
- Domestic offices
- 74 branches
- Routing number
- 011201458
- Safety and soundness
- Is Camden National Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Camden National Bank call report
- Holding company
- CAMDEN NATIONAL CORPORATION
- Asset rank in state
- 2nd of 22 in Maine
Camden National Bank, based in Camden, Maine, reported $7.0 billion in assets at September 30, 2026, up 1.0% from a year earlier. It shrank its loan book 0.1% over the year, lower than about three-quarters of the 887 banks with $1 billion to $10 billion in assets (median 6.0%). It also funds 9.31% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.57%).
Loans and deposits moved in opposite directions: over the year loans fell 0.1% and deposits rose 8.4%. Unrealized losses on its securities total $130 million, equal to 21% of Tier 1 capital, against 13% a year earlier.
As of September 30, 2026, Camden National Bank reported a CET1 capital ratio of 12.99%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Camden National Bank ranks as the 2nd largest of the 22 banks based in Maine, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 1.5% to $7.04B, loans fell 0.2% and deposits rose 5.4%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 49.6% of total loans, followed by non-owner-occupied commercial real estate loans at 22.2%. Its 72 offices in the FDIC Summary of Deposits are in 63 cities across 2 states; its Portland office books 13% of its branch deposits. By the capital ratios in its Q3 2026 call report, Camden National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 Elm St, Camden, ME 04843
- County
- Knox
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- 1875
- Domestic offices
- 74 branches
- Employees (FTE)
- 665
- Domestic deposits
- $5.89B
- Allowance for credit losses
- $46.2M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $6.98B
- Average total loans
- $5.01B
- Average interest-bearing deposits
- $4.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4255
- Fed RSSD
- 593007
- SEC CIK
- 750686 → filed by CAMDEN NATIONAL CORPORATION
- Website
- www.camdennational.bank →
- Parent Holding Company
- CAMDEN NATIONAL CORPORATION (RSSD 1130249) · CAC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Simon Griffiths | CEO | CEO |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Camden National Bank's total assets ran between $5.70B (Q4 2023) and $7.04B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$7.04B total assets against $6.97B; $6.30B total liabilities against $6.26B.
$4.96B net loans and leases against $4.97B; $5.89B total deposits against $5.44B.
$1.31B securities against $1.38B; $248.6M cash and balances due against $98.8M.
$80.5M total interest income against $80.9M; $24.0M total interest expense against $28.6M.
$56.5M net interest income against $52.3M.
$13.3M total noninterest income against $14.2M; $37.5M total noninterest expense against $35.9M.
$1.9M provision for credit losses against $3.0M.
$23.7M net income against $22.0M.
1.36% return on assets against 1.26%; 3.47% net interest margin against 3.22%.
12.99% CET1 capital ratio against 11.89%; 9.31% tier 1 leverage ratio against 8.52%.
Inside the full Camden National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Camden National Bank rankings
Its closest position to the top of a national ranking is 217 of 4,193, for total assets; its furthest is 692 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.48% (Q1 2025) to 1.38% (Q2 2026) and its net interest margin ran from 2.65% (Q4 2024) to 3.47% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.99% | 1.36% | 0.16% | 1.28% | 3.47% |
| Q2 2026 | 12.73% | 1.38% | 0.24% | 1.93% | 3.32% |
| Q1 2026 | 12.59% | 1.31% | 0.22% | 1.69% | 3.29% |
| Q4 2025 | 12.31% | 1.33% | 0.14% | 1.01% | 3.36% |
| Q3 2025 | 11.89% | 1.26% | 0.17% | 1.37% | 3.22% |
| Q2 2025 | 11.68% | 0.87% | 0.37% | 3.31% | 3.14% |
| Q1 2025 | 11.51% | 0.48% | 0.15% | 1.30% | 3.11% |
| Q4 2024 | 13.40% | 1.05% | 0.12% | 0.86% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 72 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Portland Canal Street Branch | Portland , ME | 04101 | $700.4M |
| The Camden National Bank | Camden , ME | 04843 | $474.4M |
| Rockland Branch | Rockland , ME | 04841 | $226.6M |
| Bangor-Exchange Street Branch | Bangor , ME | 04401 | $178.2M |
| Belfast Branch | Belfast , ME | 04915 | $168.5M |
| Northway Bank Branch | Berlin , NH | 03570 | $139.2M |
| Route 16 North Branch | North Conway , NH | 03860 | $114.9M |
| Gardiner Branch | Gardiner , ME | 04345 | $112.5M |
| Camden Square Branch | Camden , ME | 04843 | $112.0M |
| Auburn - Court Street Branch | Auburn , ME | 04210 | $101.3M |
| Kennebunk Branch | Kennebunk , ME | 04043 | $100.8M |
| Ellsworth Branch | Ellsworth , ME | 04605 | $95.0M |
| Blue Hill Branch | Blue Hill , ME | 04614 | $94.5M |
| Saco Branch | Saco , ME | 04072 | $91.0M |
| Old Town Branch | Old Town , ME | 04468 | $90.4M |
| Lewiston - South Avenue Branch | Lewiston , ME | 04240 | $87.6M |
| West Ossipee Branch | Ossipee , NH | 03864 | $84.9M |
| August Civic Center Drive Branch | Augusta , ME | 04330 | $84.6M |
| West Plymouth Branch | Plymouth , NH | 03264 | $84.2M |
| Augusta Eastern Ave Branch | Augusta , ME | 04330 | $82.2M |
| Bangor Union Street Branch | Bangor , ME | 04401 | $75.4M |
| Dover Branch | Dover Foxcroft , ME | 04426 | $71.7M |
| Thomaston Branch | Thomaston , ME | 04861 | $70.7M |
| Conway Village Branch | Conway , NH | 03818 | $69.7M |
| York Branch | York , ME | 03909 | $68.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2025 | Structure Change | Acquired Northway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2016 | Structure Change | Acquired Acadia Trust, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 2015 | Structure Change | Acquired The Bank of Maine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2008 | Structure Change | Acquired Union Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2006 | Structure Change | Acquired UnitedKingfield Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 10.1% of deposits in ME, rank 3 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,242 applications, 2,224 loans originated, $681.4M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $1.6M approved, $273K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Camden National Bank
What are Camden National Bank's total assets?
As of the Q3 2026 filing, Camden National Bank reported total assets of $7.04 billion in its FFIEC call report.
Where is Camden National Bank headquartered?
It is headquartered in Camden, ME, United States.
When was Camden National Bank founded?
It was established in 1875, per the FDIC institution directory.
Is Camden National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4255). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Camden National Bank?
Camden National Bank's primary federal regulator is the OCC.
What is Camden National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.99% in its Q3 2026 call report, above regulatory requirements.
How many branches does Camden National Bank operate?
It operates 74 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Camden National Bank's Texas Ratio?
Its Texas Ratio is 1.28% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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