Camden National Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Camden National Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $23.7M in Q3 2026, up 7.7% from $22.0M in Q3 2025.
Total interest expense fell 3.9% from Q2 2026 to Q3 2026, ending at $24.0M against $25.0M. It was the largest change among the key lines on this page. Camden National Bank ranks 4th of 22 Maine banks on return on assets, in the upper half at 1.36% (Q3 2026). Camden National Bank reported 1.36% on return on assets for Q3 2026, 0.06 points above the 1.30% median for banks in the $1B-10B asset tier.
Net income
Net income moved most in this table, down 1.3%: $24.0M in Q2 2026, $23.7M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $23.7M |
| Return on assets | 1.36% |
| Return on equity | 12.75% |
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Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $69.1M |
| Total interest expense | $24.0M |
| Interest expense on deposits | $22.5M |
| Net interest margin | 3.47% |
Noninterest income and expense
Total noninterest expense changed the most here, up 0.8% to $37.5M in Q3 2026 from $37.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $37.5M |
| Salaries and general administrative expense | $27.1M |
| Amortization of intangibles | $1.4M |
| Other noninterest expense | $9.0M |
| Efficiency ratio | 51.57% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $10.6M |
| Revenue per employee | $420K |
| Full-time equivalent employees | 665 |
Credit costs and securities results
Largest change in this table: provision expense to average assets, up 0.07 points to 0.11% in Q3 2026 after 0.04% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $1.9M |
| Provision expense to average assets | 0.11% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $9.1M | 0.62% | 7.39% | 62.06% |
| Q1 2024 | $13.9M | 0.96% | 10.84% | 64.08% |
| Q2 2024 | $12.6M | 0.87% | 9.77% | 61.90% |
| Q3 2024 | $13.6M | 0.94% | 10.24% | 62.69% |
| Q4 2024 | $15.3M | 1.05% | 11.34% | 57.94% |
| Q1 2025 | $8.4M | 0.48% | 5.53% | 69.56% |
| Q2 2025 | $15.2M | 0.87% | 8.93% | 56.44% |
| Q3 2025 | $22.0M | 1.26% | 12.62% | 51.55% |
| Q4 2025 | $23.4M | 1.33% | 13.07% | 50.91% |
| Q1 2026 | $22.8M | 1.31% | 12.48% | 52.24% |
| Q2 2026 | $24.0M | 1.38% | 12.94% | 52.11% |
| Q3 2026 | $23.7M | 1.36% | 12.75% | 51.57% |
Camden National Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)