Damon Del Monte

Stephen Moss

Matt Breese

Matthew Breese

Matthew Renck

Steve Moss

David Mirochnick

- Camden National Corporation reported **record third-quarter 2025 earnings of $21.2 million**, a **51% increase** over the previous quarter, with diluted earnings per share of **$1.25**.  **[0000750686_2210862_1]** **[0000750686_2210862_3]**  Pre-tax, pre-provision income rose **19%** to **$29.5 million**.  **[0000750686_2210862_1]** **[0000750686_2210862_3]** 
- Key financial metrics for Q3 2025 included a net interest margin expansion of **10 basis points to 3.16%**  **[0000750686_2210862_1]** **[0000750686_2210862_3]** , an improved non-GAAP efficiency ratio of **52.5%**  **[0000750686_2210862_1]** , and a return on average tangible equity of **19.1%**.  **[0000750686_2210862_1]** **[0000750686_2210862_3]** 
- The tangible common equity ratio grew **32 basis points to 7.09%**, and tangible book value increased **6%** in the quarter, reaching **$28.42 per share** as of September 30.  **[0000750686_2210862_1]**  Assets under management and administration reached a record high of **$2.4 billion**.  **[0000750686_2210862_1]** 
- The company charged off **$10.7 million** related to a previously disclosed syndicated telecommunications loan  **[0000750686_2210862_1]** **[0000750686_2210862_3]** , but overall credit trends remained strong, with non-performing assets decreasing **14 basis points to 12 basis points of total assets**.  **[0000750686_2210862_1]**  The allowance for credit losses totaled **$45.5 million**, covering **5.5 times** total non-performing loans.  **[0000750686_2210862_3]** 
- For Q4 2025, non-interest expense is estimated between **$36 million and $36.5 million**  **[0000750686_2210862_3]** , with an anticipated net interest margin expansion of **5 to 10 basis points**.  **[0000750686_2210862_4]**  Loan growth is projected to be **flat to up 2%** for Q4 2025 and in the **mid-single digits** for 2026.  **[0000750686_2210862_7]**

Camden National Corporation Reports Record Q3 2025 Earnings and Provides Q4 2025 Outlook

- Camden National Corporation reported **record third-quarter earnings of $21.2 million**, marking a **51% increase** over the previous quarter, with pretax pre-provision income rising **19%** to **$29.5 million**.  **[0000750686_2208860_1]** **[0000750686_2208860_3]** 
- The company's tangible common equity ratio grew **32 basis points** to **7.09%**, and tangible book value increased **6%** to **$28.42 per share** as of September 30.  **[0000750686_2208860_1]** 
- Key performance indicators improved, including a **10 basis point expansion** in net interest margin to **3.16%**, an efficiency ratio of **52.5%**, and a return on average tangible equity of **19.1%**.  **[0000750686_2208860_1]** **[0000750686_2208860_3]** 
- Annualized loan growth was **4%**, and average core deposits grew **2%** in the quarter.  **[0000750686_2208860_1]**  Nonperforming assets decreased **14 basis points** to **0.12%** of total assets, despite a **$10.7 million** charge-off for a previously disclosed syndicated loan.  **[0000750686_2208860_1]** **[0000750686_2208860_3]** 
- Management projects fourth-quarter non-interest expense to be between **$36 million and $36.5 million** and anticipates net interest margin expansion of **5 to 10 basis points** in the next quarter.  **[0000750686_2208860_3]** **[0000750686_2208860_4]**

Camden National Corporation Reports Record Q3 2025 Earnings and Provides Outlook

- Camden National Corporation reported **record third-quarter earnings of $21.2 million**, representing a **51% increase** over the previous quarter, with diluted earnings per share of **$1.25**.  **[0000750686_2210813_1]** **[0000750686_2210813_3]** 
- The company's pre-tax, pre-provision income for the third quarter rose **19%** over the prior quarter to **$29.5 million**.  **[0000750686_2210813_1]** **[0000750686_2210813_3]** 
- The net interest margin expanded by **10 basis points to 3.16%**, and the non-GAAP efficiency ratio improved to **52.5%**.  **[0000750686_2210813_1]** **[0000750686_2210813_3]** 
- Annualized loan growth was **4%**, and average core deposits grew **2%** during the quarter.  **[0000750686_2210813_1]** 
- Non-interest income reached **$14.1 million**, an **8% increase** over the second quarter, driven by assets under management and administration reaching a record high of **$2.4 billion**.  **[0000750686_2210813_1]** **[0000750686_2210813_3]**

Camden National Corporation Announces Record Q3 2025 Earnings

- Camden National Corporation reported **record third-quarter earnings of $21.2 million**, a **51% increase** over the previous quarter, with diluted earnings per share of **$1.25**.  **[0000750686_2208921_1]** **[0000750686_2208921_3]**  Pre-tax, pre-provision income rose **19%** over the prior quarter to **$29.5 million**.  **[0000750686_2208921_1]** **[0000750686_2208921_3]** 
- The company's tangible common equity ratio grew **32 basis points to 7.09%**, and tangible book value increased **6%** to **$28.42 per share**.  **[0000750686_2208921_1]**  Net interest margin expanded **10 basis points to 3.16%**, and the non-GAAP efficiency ratio improved to **52.5%**.  **[0000750686_2208921_1]** 
- Camden National achieved **4% annualized loan growth** and **2% growth in average core deposits**.  **[0000750686_2208921_1]**  Non-performing assets decreased by **14 basis points** to **0.12% of total assets**, despite a **$10.7 million charge-off** for a previously disclosed syndicated telecommunications loan.  **[0000750686_2208921_1]** **[0000750686_2208921_3]** 
- Non-interest income increased **8%** over the second quarter to **$14.1 million**, supported by record **$2.4 billion** in assets under management and administration.  **[0000750686_2208921_1]** **[0000750686_2208921_3]**  Management expects **Q4 2025 non-interest expense** to be between **$36 million and $36.5 million** and projects net interest margin expansion of **5 to 10 basis points** in the next quarter.  **[0000750686_2208921_3]** **[0000750686_2208921_4]**

Camden National Corporation Reports Record Q3 2025 Earnings

- Camden National Corporation reported **record net income of $21.2 million** and **diluted earnings per share (EPS) of $1.25** for the third quarter ended September 30, 2025, both representing an increase of **51%** compared to the second quarter of 2025.  **[750686_20251028NE07666:0]** 
- The company's **net interest margin increased 10 basis points to 3.16%** for Q3 2025, and the **GAAP efficiency ratio improved to 54.94%** from 60.37% in the second quarter of 2025.  **[750686_20251028NE07666:0]** 
- As of September 30, 2025, **loans totaled $5.0 billion**, a **1% increase** from the second quarter of 2025, and **total assets were $7.0 billion**, also a **1% increase** since June 30, 2025.  **[750686_20251028NE07666:0]** 
- **Deposits totaled $5.4 billion** as of September 30, 2025, representing a **2% decrease** from June 30, 2025.  **[750686_20251028NE07666:0]** 
- Asset quality remained strong, with non-performing assets at **0.12% of total assets** as of September 30, 2025.  **[750686_20251028NE07666:1]**  The company also announced a **cash dividend of $0.42 per share**.  **[750686_20251028NE07666:0]**

Camden National Corporation Reports Record Third Quarter 2025 Earnings

- Camden National Corporation reported **record net income of $21.2 million** and diluted earnings per share of **$1.25** for the third quarter ended September 30, 2025, both representing a **51% increase** over the second quarter of 2025.  **[750686_0000750686-25-000297_ex991earningsreleaseq325.htm:0]** 
- The company's profitability improved, with a return on average assets of **1.21%** and a return on average equity of **12.75%** for Q3 2025. The net interest margin increased **10 basis points to 3.16%**, and the GAAP efficiency ratio improved to **54.94%** from **60.37%** in the prior quarter.  **[750686_0000750686-25-000297_ex991earningsreleaseq325.htm:0]** **[750686_0000750686-25-000297_ex991earningsreleaseq325.htm:5]** 
- As of September 30, 2025, total assets grew **1% to $7.0 billion**, and total loans increased **1% to $5.0 billion**. The company also declared a cash dividend of **$0.42 per share**.  **[750686_0000750686-25-000297_ex991earningsreleaseq325.htm:1]** 
- Asset quality remained strong, with non-performing assets at **0.12%** of total assets and an allowance for credit losses on loans at **0.91%** of total loans as of September 30, 2025.  **[750686_0000750686-25-000297_ex991earningsreleaseq325.htm:1]**

CAMDEN NATIONAL (CAC)