CAMDEN NATIONAL CORP
For the period ended Jul 29, 2025. Filed Jul 29, 2025.
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Jul 29, 2025 · Filed Jul 29, 2025
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CAC$58.02+0.2%Stored close · as of Nov 6, 2026
Contents
EX-99.1 · Selected Financial Data
Selected Financial Data
| At or For TheThree Months Ended · At or For TheSix Months Ended | |||||
|---|---|---|---|---|---|
| (In thousands, except number of shares and per share data) | June 30,2025 | March 31,2025 | June 30,2024 | June 30,2025 | June 30,2024 |
| Financial Condition Data | |||||
| Loans | $4,931,369 | $4,885,086 | $4,139,361 | $4,931,369 | $4,139,361 |
| Total assets | 6,920,044 | 6,964,785 | 5,724,380 | 6,920,044 | 5,724,380 |
| Deposits | 5,514,712 | 5,597,478 | 4,514,020 | 5,514,712 | 4,514,020 |
| Shareholders' equity | 652,148 | 640,054 | 508,286 | 652,148 | 508,286 |
| Operating Data and Per Share Data | |||||
| Net income | $14,081 | $7,326 | $11,993 | $21,407 | $25,265 |
| Adjusted net income (non-GAAP)(1) | 15,191 | 16,047 | 11,993 | 31,238 | 24,546 |
| Adjusted pre-tax, pre-provision income (non-GAAP)(1) | 26,085 | 23,128 | 15,519 | 49,213 | 29,752 |
| Diluted EPS | 0.83 | 0.43 | 0.81 | 1.26 | 1.72 |
| Adjusted diluted EPS (non-GAAP)(1) | 0.89 | 0.95 | 0.81 | 1.84 | 1.67 |
| Profitability Ratios | |||||
| Return on average assets | 0.82% | 0.43% | 0.84% | 0.63% | 0.89% |
| Adjusted return on average assets (non-GAAP)(1) | 0.89% | 0.94% | 0.84% | 0.91% | 0.87% |
| Return on average equity | 8.77% | 4.75% | 9.60% | 6.80% | 10.18% |
| Adjusted return on average equity (non-GAAP)(1) | 9.47% | 10.40% | 9.60% | 9.92% | 9.89% |
| Adjusted return on average tangible equity (non-GAAP)(1) | 14.71% | 16.40% | 11.96% | 15.53% | 12.34% |
| GAAP efficiency ratio | 60.37% | 74.02% | 63.77% | 67.07% | 64.76% |
| Efficiency ratio (non-GAAP)(1) | 55.47% | 58.72% | 63.21% | 57.06% | 64.19% |
| Net interest margin (fully-taxable equivalent) | 3.06% | 3.04% | 2.36% | 3.05% | 2.32% |
| Core net interest margin (fully-taxable equivalent) (non-GAAP)(1) | 2.70% | 2.68% | 2.36% | 2.69% | 2.32% |
| Asset Quality Ratios | |||||
| ACL on loans to total loans | 1.08% | 0.96% | 0.86% | 1.08% | 0.86% |
| Non-performing loans to total loans | 0.37% | 0.15% | 0.19% | 0.37% | 0.19% |
| Loans 30-89 days past due to total loans | 0.08% | 0.07% | 0.05% | 0.08% | 0.05% |
| Annualized net charge-offs to average loans | 0.02% | 0.08% | 0.04% | 0.05% | 0.03% |
| Capital Ratios | |||||
| Common equity ratio | 9.42% | 9.19% | 8.88% | 9.42% | 8.88% |
| Tangible common equity ratio (non-GAAP)(1) | 6.77% | 6.49% | 7.34% | 6.77% | 7.34% |
| Book value per share | $38.54 | $37.91 | $34.89 | $38.54 | $34.89 |
| Tangible book value per share (non-GAAP)(1) | $26.90 | $26.02 | $28.34 | $26.90 | $28.34 |
| Tier 1 leverage capital ratio | 8.74% | 8.58% | 9.64% | 8.74% | 9.64% |
| Total risk-based capital ratio | 13.35% | 13.13% | 14.46% | 13.35% | 14.46% |
(1) This is a non-GAAP measure, please see "Reconciliation of non-GAAP to GAAP Financial Measures (unaudited).”
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