BlastPoint's Banking Scorecard
The Camden National Bank
Designations: ✓ Community bank
Camden, ME
74 branches across ME · NH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
- Deposits +0.8% year over year ($5.6B on the books).
- Delinquency rate 0.24%.
- Return on assets 1.35%.
- Efficiency ratio 52.35% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.92% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Camden National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.38% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+0.5% YoY
-0.2% QoQ
|
+$4.1B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 6.9% in tier |
| Total Loans ? |
$5.0B
+1.5% YoY
+0.8% QoQ
|
+$3.0B |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 6.7% in tier |
| Total Deposits ? |
$5.6B
+0.8% YoY
-0.5% QoQ
|
+$3.3B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
Top 7.3% in tier |
| Return on Assets ? |
1.35%
+87.2% YoY
+2.8% QoQ
|
-0.04% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.37%
+0.9% YoY
+0.8% QoQ
|
-0.50% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
52.35%
-17.2% YoY
-0.1% QoQ
|
-7.38% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.24%
-34.2% YoY
+10.0% QoQ
|
-0.62% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
88.92%
+0.6% YoY
+1.3% QoQ
|
+3.88% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.99%
-3.5% YoY
+0.8% QoQ
|
-1.28% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.17%
-33.8% YoY
+11.0% QoQ
|
-0.50% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
12.73%
+9.0% YoY
+1.2% QoQ
|
-2.11% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.38%
+8.4% YoY
+121.0% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.0%
-0.7pp YoY +0.2pp QoQ |
-1.4pp | 21.4% | 16.8% | 22.2% | 51% |
| Brokered Deposits |
1.6%
-2.2pp YoY -0.5pp QoQ |
-7.8pp | 9.5% | 12.9% | 8.5% | 24% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
-0.7pp YoY +0.2pp QoQ |
-7.7pp | 14.0% | 8.7% | 12.5% | 25% |
| CRE |
43.4%
+2.0pp YoY -0.2pp QoQ |
-6.6pp | 50.0% | 38.6% | 41.4% | 31% |
| 1-4 Family |
49.2%
-0.3pp YoY 0.0pp QoQ |
+22.8pp | 26.4% | 49.6% | 31.3% | 89% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 1.9% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
+1.1pp YoY +0.1pp QoQ |
-2.9pp | 15.6% | 15.4% | 19.7% | 37% |
| Leverage Ratio |
9.1%
+0.8pp YoY +0.2pp QoQ |
-2.2pp | 11.3% | 11.6% | 12.6% | 15% |
| Total Capital Ratio |
13.7%
+0.8pp YoY +0.1pp QoQ |
-3.0pp | 16.7% | 16.4% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
679
-23 (-3.3%) YoY +9 (+1.3%) QoQ |
+365 | 313 | 259 | 482 | 92% |
| Assets per Employee ($) |
$10.2M
+4.0% YoY -1.5% QoQ |
-$260K | $10.5M | $8.5M | $8.8M | 67% |
| Branch Count |
74
0 YoY 0 QoQ |
+54 | 20 | 18 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.6% | 1.0% | 25% |
| Allowance Coverage |
3.76x
+28.8% YoY -9.7% QoQ |
-14.95x | 18.71x | 7.67x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+5.3pp YoY +0.2pp QoQ |
+0.1pp | 12.6% | 8.8% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 26% |
| Net Income ($, YTD) |
$46.8M
+98.8% YoY — QoQ |
+$27.6M | $19.2M | $12.8M | $40.4M | 92% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.