# CAMDEN NATIONAL BANK
CAMDEN, ME · FDIC certificate 4255 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.94B | |
| Deposits | $5.59B | |
| Loans and leases | $5.02B | |
| Total equity | $749.9M | |
| Loans / deposits | 88.92% (p55 of band) | 87.10% |
| Liquid assets / assets | 20.97% (p49 of band) | |
| Uninsured deposits / deposits | 24.07% (p27 of band) | 30.76% |
| Brokered deposits | 1.32% | |
| Wholesale funding | 8.75% (p60 of band) | |
| FHLB advances / assets | 3.79% | |
| Tier 1 leverage | 9.12% (p16 of band) | 10.50% |
| Unrealized securities loss / equity | -10.09% (p40 of band) | -7.75% |
| AOCI / equity | 0.12% (p84 of band) | |
| ROA (annualized) | 1.35% (p59 of band) | 1.26% |
| Net interest margin | 3.37% (p29 of band) | 3.70% |
| Efficiency ratio | 52.35% (p30 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 375.59% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 25.90% (p25 of band) | |
| Auto loans | $5.4M (0.11% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 679 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 3 | capital falling, reserve under noncurrent |  |
| 2013-03 | 2 |  | reserve under noncurrent |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 2 | capital falling | reserve under noncurrent, deposits shrinking |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | brokered >10% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | brokered >10% |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 | reserve under noncurrent | capital falling |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 1 |  | reserve under noncurrent |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | wholesale funding >15% |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 1 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | NIM <2.5% |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [Camden National Bank launches refreshed digital experience - Piscataquis Observer](https://news.google.com/rss/articles/CBMiowFBVV95cUxQbUxHYU5tRDFFOEFhR0dlZVR5WVpnYnVsMjJuU1E5MWJFbTNTSlVVMGZNV0tYN0t6RklCenVtcDMtWlpJdi1fc2lJSTN2bzlyR3BZX21XeUpOdUQ3WXo3S0JLTFBISExLVXAxQmpWbVAtdkowZ3J2WHpzVkFtVnRLM1J6VWVxY24wcGc2Q0E3QnUyZld1Z19ZQWt3OXl6RnNWZzhj?oc=5) · Piscataquis Observer
- 2026-08-22 [Camden National Bank Names New Chief Technology Officer - The Lincoln County News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQYTM5LXlGSnpzWm5VWU00NTZVMXFqcW5kUUpnUHRIWmZsemwxYTZHV3NYdlY3d0d6aTRYZGM5ZGNQOUVaQXJkY3ZkeGpyNlB4aHJpcUwtTHNUM19meGl0RllCb05HWmVrbFotSXJZOGNVVG5lVFlzeHNoSU96WW0tMFlmQld6V3pmbGh4akZTVXRSRjV1U1o5ZVJpTkQ?oc=5) · The Lincoln County News
- 2026-03-30 [Camden Rotary to hear about the growing risk of bank fraud during March 31 meeting - PenBay Pilot](https://news.google.com/rss/articles/CBMimAFBVV95cUxQc1owWFBxcUlKeVhhUlR2cGRfbmZDTVFOMzdPWVVvTTJaTWlseTBmQTRTZEY5VHZkQTBTUXdhUUhza2RTbVMwYi1YOGloZTdTN0ozc1hSd0N0dm92VXZNdGNfdGFVbHJ2MUk1TnF3S0hmY3RqLXBxRVR0UFNsdTRzaC1VNDBfTkFwcms0bVZ1TzYzT21DbTN1Vg?oc=5) · PenBay Pilot
- 2026-07-28 [Camden National Bank Awarded for Exceptional Client Experience - The Lincoln County News](https://news.google.com/rss/articles/CBMingFBVV95cUxOYWhQeGljbkg5OHphcHZsVXhNSzBWak1vOVoySzdGcGpBNk1rTEt2dXd1SGFGX0w2bjFlRzRpMnBPTlp3VGNxaXVIbW44c192WEwwcmx6RnNQSERBd2Zfa2xMVktqRTU2dmd2SW9tSDZtbnY0c3JNcDFsYmh0enhQWndTd2NoMTRfTkdlM3Y4TFljWUtDcXBIX1E3S2liZw?oc=5) · The Lincoln County News
- 2026-07-09 [Camden National Bank opening new Ellsworth branch in former TD Bank location - The Ellsworth American](https://news.google.com/rss/articles/CBMihAJBVV95cUxOQ3o2TGZmQW5taWhwdUdmdzhNMFdMdENGd2lVRjdzck5oYWVZNHpTWkxvcjNhRmtOTGsxX0pfZ0hXMS1xT0dTMFA4REo4bWlrcU5rQjktem1sWmlMbE43NEQ0cjIxcnZWcHlfb2tXdGI2NWh5SXU3RVAtc0dGZ1pPNDJTM19Zay02YzNJUFA1Y0NHaW56aUVFSkxaQ3RpWldIbVN0QUpOTEFTRVcwRm5kQ29SbkczVFhkUW1uWGlKc0JzNk9pZUs4b2dNbjN0RGJONU1rSVBqUmFteUd5RXRBYTZ1X2poeXBRNnUxNmFmb0plRHdibWxfa3Zrc0RKM2VINjBKSw?oc=5) · The Ellsworth American
- 2025-01-03 [Camden National completes acquisition of Granite State peer - mainebiz.biz](https://news.google.com/rss/articles/CBMikwFBVV95cUxOcE91RE9GbkVVZFpYZGRLV0xfNWtWbmVFelFiczBRck1famFhOUt0SV9iV1lwQmItWkNPa2tzOFVITFFOZEZiVXhYRzZQSTkzWlVBNmhIX3ZnTW5aQVhjbTg5T3lUTzRHd01xSGJCT2xlVWJHYkpEOWVXYzdGSlp5bHNjQjI4dXJmb1RKRGlGenBpLWc?oc=5) · mainebiz.biz
- 2023-08-21 [Camden National Corporation Appoints Simon Griffiths as Successor to CEO - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxOSEUzRC1CaDJWZXlGNEZDeHNld0RTN05IVnRSQmJSRXpHeUYtUi02VjVnVnJVT3RaNldVQVBwdThpZzEzWjBDRThVaDZiQW9lakpwdXEwNWZwQXZsQndQamR4bnREc09lMmVRZGV6X0dsQk1BZG5ETkRIdG1vMUNjOE4xalVmMllMSDd3RFIxQXV1NWFfVnVHYmNjaklySFU1Mnp0TFc2SUt6c3VzaGwza2lSdnBwY245Z2YyeFUyVGtsTWZRWTJJ?oc=5) · PR Newswire
- 2026-01-18 [Timothy Nightingale Obituary - Portland, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYkhtRjFPcERwWnp0Nkg3SElMZURrLXZfOVlXYUhTNWoxTHRCbk9wanZjVW9rQXA2YTdXcDBPSXN3SmZzbWRZdnhWbmFkU1ZNR2dnbFVGZ2dHbXZfRURKVFNWYmlhMkJadldmQmxobTJpckFJaWJjeldYUFN2eFUxQ3R5Q1RXd1lmMFdv?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4255 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "4255", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide