Camden National Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Camden National Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 12.99% in Q3 2026, up 1.10 percentage points from 11.89% in Q3 2025. Across the 12 quarters shown it ranged from 11.51% (Q1 2025) to 13.40% (Q4 2024).
Equity capital to total assets fell 0.32 percentage points from Q2 2026 to Q3 2026, ending at 10.49% against 10.80%. It was the largest change among the key lines on this page. Within Maine, Camden National Bank is 12th of 15 on CET1 ratio, 12.99% as of Q3 2026. Camden National Bank reported 12.99% on CET1 ratio for Q3 2026, 0.61 points below the 13.60% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
Total risk-based capital ratio moved most in this table, up 0.29 points: 13.69% in Q2 2026, 13.98% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 9.31% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: total risk-based capital, up 2.3% to $679.9M in Q3 2026 after $664.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $631.8M |
| Tier 1 capital | $631.8M |
| Total risk-based capital | $679.9M |
| Total equity capital | $738.6M |
| Risk-weighted assets | $4.86B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.49% |
| Tangible equity to tangible assets | 8.01% |
| Equity capital to average assets | 10.58% |
| Internal capital growth rate | 6.20% |
Capital structure
Retained earnings changed the most here, up 2.2% to $537.2M in Q3 2026 from $525.6M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $2.3M |
| Common stock surplus | $287.4M |
| Retained earnings | $537.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$88.3M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 12.72% | 12.72% | 13.70% | 8.91% | $4.01B |
| Q1 2024 | 12.90% | 12.90% | 13.85% | 9.10% | $4.02B |
| Q2 2024 | 12.89% | 12.89% | 13.83% | 9.16% | $4.07B |
| Q3 2024 | 13.24% | 13.24% | 14.19% | 9.35% | $4.01B |
| Q4 2024 | 13.40% | 13.40% | 14.36% | 9.36% | $4.00B |
| Q1 2025 | 11.51% | 11.51% | 12.55% | 8.17% | $4.80B |
| Q2 2025 | 11.68% | 11.68% | 12.85% | 8.37% | $4.83B |
| Q3 2025 | 11.89% | 11.89% | 12.89% | 8.52% | $4.86B |
| Q4 2025 | 12.31% | 12.31% | 13.26% | 8.64% | $4.80B |
| Q1 2026 | 12.59% | 12.59% | 13.54% | 8.92% | $4.80B |
| Q2 2026 | 12.73% | 12.73% | 13.69% | 9.12% | $4.86B |
| Q3 2026 | 12.99% | 12.99% | 13.98% | 9.31% | $4.86B |
Camden National Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Camden National Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 4255) · FFIEC NIC profile (RSSD 593007)