Camden National Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Camden National Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 201.47 percentage points higher than in Q2 2026, at 577.06%. 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.
Capital adequacy
Equity capital to assets moved most in this table, down 0.31 points: 10.80% in Q2 2026, 10.49% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 9.31% |
| Equity capital to assets | 10.49% |
| Tangible equity to tangible assets | 8.01% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.16% |
| Nonperforming assets ratio | 0.11% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 1.28% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of nonperforming loans | 577.06% |
Earnings
Net interest margin changed the most here, up 0.15 points to 3.47% in Q3 2026 from 3.32% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 12.75% |
| Net interest margin | 3.47% |
| Efficiency ratio | 51.57% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.59% |
Liquidity and funding
Loan-to-deposit ratio moved most in this table, down 4.72 points: 89.73% in Q2 2026, 85.01% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 85.01% |
| Core deposits to total deposits | 96.50% |
| Brokered deposits to total deposits | 1.37% |
| Deposits to assets | 83.67% |
| Securities to assets | 18.64% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 12.72% | 12.72% | 13.70% | 8.91% | 0.62% |
| Q1 2024 | 12.90% | 12.90% | 13.85% | 9.10% | 0.96% |
| Q2 2024 | 12.89% | 12.89% | 13.83% | 9.16% | 0.87% |
| Q3 2024 | 13.24% | 13.24% | 14.19% | 9.35% | 0.94% |
| Q4 2024 | 13.40% | 13.40% | 14.36% | 9.36% | 1.05% |
| Q1 2025 | 11.51% | 11.51% | 12.55% | 8.17% | 0.48% |
| Q2 2025 | 11.68% | 11.68% | 12.85% | 8.37% | 0.87% |
| Q3 2025 | 11.89% | 11.89% | 12.89% | 8.52% | 1.26% |
| Q4 2025 | 12.31% | 12.31% | 13.26% | 8.64% | 1.33% |
| Q1 2026 | 12.59% | 12.59% | 13.54% | 8.92% | 1.31% |
| Q2 2026 | 12.73% | 12.73% | 13.69% | 9.12% | 1.38% |
| Q3 2026 | 12.99% | 12.99% | 13.98% | 9.31% | 1.36% |
Camden National Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)