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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Maine, the state note

Camden National Bank

Camden, Maine · $6.94B in assets · beside the 11 other New England banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

89.7%
Loans / deposits
2nd of 12
54.4%
Efficiency
2nd of 12
0.24%
NPA / loans
3rd of 12

Camden National Bank is the fifth largest of the 12 New England banks nearest its size between $3B and $10B, with $6.94B in assets at 30 June 2026. Loans are 89.7% of deposits, 2nd of 12 against a median of 99.2%, and equity is 10.8% of assets, 7th of 12. Loans grew +1.3% in the year, 9th of 12, and deposits grew 0.8%; the cohort's median loan growth is +4.9%.

Noncurrent loans are 0.24% of the book, 3rd of 12 against a median of 0.39%; 0.14% is 30 to 89 days past due, and the allowance covers them 3.8 times. Commercial real estate is 34.5% of loans, 5th of 12 against a median of 38.3%, and 261% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 1.34%, 3rd of 12 against a median of 0.93%, on an efficiency ratio of 54.4%, 2nd of 12. Five years ago it was 1.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsNew England banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 99.2% MS Middlesex Savings Bank 73.2% CN Camden National Bank 89.7% BS Bangor Savings Bank 91.6% BH Bar Harbor Bank & Trust 93.9% CC Cape Cod Five Cents Savings Bank 95.7% WT Washington Trust Co. of Westerly 95.8% NB Needham Bank 102.6% LB Leader Bank National Association 102.9% CS Cambridge Savings Bank 108.8% SF Salem Five Cents Savings Bank 113.0% NB Northeast Bank 123.0% IS Institution Savings Newburyport & 126.5%
Loans, year over yearNew England banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.9% NB Needham Bank +42.8% NB Northeast Bank +21.2% BH Bar Harbor Bank & Trust +14.9% LB Leader Bank National Association +10.2% SF Salem Five Cents Savings Bank +6.7% MS Middlesex Savings Bank +6.4% BS Bangor Savings Bank +3.4% IS Institution Savings Newburyport & +2.6% CN Camden National Bank +1.3% CS Cambridge Savings Bank +0.9% WT Washington Trust Co. of Westerly -0.8% CC Cape Cod Five Cents Savings Bank -5.1%

SBA 7(a), FY2008 to FY2026

Camden National Bank is the 8th largest 7(a) lender into Maine of 130, with $61M across 370 loans, 4.9% of everything approved in the state (Bangor Savings Bank leads with $138M). 17 of its 29 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Maine, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Carroll, NH$12M1st of 4716.5%-5.5 pts
Cumberland, ME$11M11th of 713.1%thin
York, ME$10M8th of 674.4%quiet FY2021
Middlesex, MA$7M43rd of 1900.5%quiet FY2022
Waldo, ME$7M1st of 2223.2%quiet FY2017
Hillsborough, NH$7M17th of 1171.5%-2.9 pts
Rockingham, NH$6M19th of 1081.2%-1.0 pts
Androscoggin, ME$6M4th of 378.0%+5.0 pts
Kennebec, ME$6M5th of 358.0%quiet FY2017
Belknap, NH$5M6th of 505.8%+2.2 pts
Merrimack, NH$5M9th of 622.8%-1.9 pts
Grafton, NH$5M6th of 564.0%+1.1 pts
Hancock, ME$4M7th of 266.7%quiet FY2016
16 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade215$30M25.0%0.05%256th of 2,589
Accommodation & food services132$15M12.7%0.02%453rd of 2,596
Manufacturing84$9M7.9%0.02%486th of 2,246
Construction197$9M7.6%0.03%388th of 2,063
Wholesale trade44$8M6.9%0.03%336th of 1,651
7(a) lenders into Maine, share of approvals since FY2008130 lenders on record; the ten largest and Camden National Bank
BS Bangor Savings Bank 11.1% $138M · 991 loans TB TD Bank, National Association 7.6% $95M · 825 loans MC Maine Community Bank 6.5% $81M · 313 loans LO Live Oak Banking Company 5.6% $69M · 64 loans KT Katahdin Trust Company 5.4% $67M · 347 loans KN KeyBank National Association 5.1% $64M · 311 loans MS Machias Savings Bank 5.0% $62M · 233 loans CN Camden National Bank 4.9% $61M · 370 loans Ma Manufacturers and Traders Trust C… 4.5% $57M · 353 loans NS Norway Savings Bank 4.4% $55M · 249 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Camden National BankRankCohort median
Total CRE against capital, the 300% screen261%7th of 12256%
Construction against capital, the 100% screen29%8th of 1226%
Construction and land development, share of loans3.9%7th of 123.8%
Non-owner-occupied nonfarm nonresidential, share of loans22.9%6th of 1223.2%
Total CRE, the guidance definition, share of loans34.5%5th of 1238.3%
CRE growth over 36 months, the third prong+31.8%8th of 12+25.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Salem Five Cents Savings Bank$8.82B1.0%56.7%0.36%0.00%1.2%113.0%11.5%
Bangor Savings Bank$7.74B0.4%83.0%0.47%0.02%0.8%91.6%7.0%
Needham Bank$7.42B1.0%59.3%0.43%0.45%1.3%102.6%10.9%
Cambridge Savings Bank$6.98B0.4%75.9%1.26%0.09%1.0%108.8%10.2%
Camden National Bank$6.94B1.3%54.4%0.24%0.04%0.9%89.7%10.8%
Washington Trust Co. of Westerly$6.55B0.9%63.9%0.78%0.00%0.8%95.8%8.7%
Middlesex Savings Bank$6.15B0.7%68.2%0.33%0.01%0.9%73.2%13.1%
Cape Cod Five Cents Savings Bank$5.62B0.7%71.8%0.47%0.02%0.5%95.7%10.6%
Institution Savings Newburyport &$5.56B1.1%74.0%0.04%0.00%0.3%126.5%12.5%
Leader Bank National Association$5.28B0.9%63.4%0.03%0.00%1.0%102.9%10.5%
Northeast Bank$5.23B2.5%35.7%0.55%0.23%1.3%123.0%11.6%
Bar Harbor Bank & Trust$4.73B1.4%56.1%0.32%0.19%0.9%93.9%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Camden National BankCohort median
20212026Change20212026Change
Loans$3.30B$5.02B+52%$3.25B$4.81B+48%
Deposits$4.33B$5.59B+29%$4.23B$5.26B+24%
NPA / loans0.18%0.24%+0.06 pts0.41%0.39%-0.01 pts
Efficiency53.5%54.4%+0.8 pts59.8%63.6%+3.9 pts
ROA1.54%1.34%-0.20 pts1.26%0.93%-0.33 pts

This read was prepared for Camden National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Camden National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort New England banks $3B to $10B
Institution www.camdennational.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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