BlastPoint's Banking Scorecard
The Camden National Bank
Mid-Market
Specialty: Commercial
ME
FDIC cert 4255
Designations: ✓ Community bank
Camden, ME
201
banks in Mid-Market tier nationally
2 in ME
View Mid-Market leaderboard (ME) →
The Camden National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
+20.3% YoY
-0.0% QoQ
|
-$3.5B |
$10.5B
+2.9% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$4.9B
+20.6% YoY
-0.7% QoQ
|
-$2.2B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$5.6B
+19.4% YoY
+2.6% QoQ
|
-$3.0B |
$8.5B
+3.0% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.03%
+6.3% YoY
+12.5% QoQ
|
-0.14% |
1.16%
+9.4% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.37%
+32.3% YoY
+1.1% QoQ
|
-0.02% |
3.40%
+7.9% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
57.09%
-7.6% YoY
-3.6% QoQ
|
+0.49% |
56.60%
-3.2% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.14%
+20.6% YoY
-15.1% QoQ
|
-0.54% |
0.68%
+12.0% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
88.50%
+1.1% YoY
-3.1% QoQ
|
+3.03% |
85.47%
+1.1% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
20.66%
+0.1% YoY
-6.1% QoQ
|
+0.02% |
20.64%
-0.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.10%
+20.9% YoY
-15.7% QoQ
|
-0.40% |
0.50%
+7.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
12.31%
-8.1% YoY
+3.6% QoQ
|
-1.24% |
13.55%
+1.8% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.76%
-2.1% YoY
+36.9% QoQ
|
-0.20% |
0.96%
+7.1% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#22 of 50 · Top 43% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Quality Pressure
risk
#4 of 113 · Bottom 3% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.68%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
61
61th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.96%
54
54th pctile
Loan-to-Deposit Ratio
Current: 88.50% · Tier avg: 85.47%
48
48th pctile
Efficiency Ratio
Current: 57.09% · Tier avg: 56.60%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.66% · Tier avg: 20.64%
42
42th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.40%
39
39th pctile
Tier 1 Capital Ratio
Current: 12.31% · Tier avg: 13.55%
39
39th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
36
36th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
33
33th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
33
33th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
Top Weaknesses
33
33th pctile
Total Deposits
Current: $5.6B · Tier avg: $8.5B
33
33th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
36
36th pctile
Total Loans
Current: $4.9B · Tier avg: $7.1B
39
39th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
39
39th pctile
Tier 1 Capital Ratio
Current: 12.31% · Tier avg: 13.55%
42
42th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.40%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.66% · Tier avg: 20.64%
48
48th pctile
Efficiency Ratio
Current: 57.09% · Tier avg: 56.60%
54
54th pctile
Loan-to-Deposit Ratio
Current: 88.50% · Tier avg: 85.47%
61
61th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.96%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.68%