| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | +0.8% | +5.1% | -4.2 pts |
| Loan growth (YoY) | +1.5% | +5.9% | -4.5 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 12.7% | 12.2% | +0.5 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.94B | $5.59B | $4.97B | $749.9M | $46.8M | 1.35% | 3.37% | 0.17% |
| Q1 2026 | $6.95B | $5.62B | $4.94B | $735.7M | $22.8M | 1.31% | 3.35% | 0.16% |
| Q4 2025 | $6.97B | $5.58B | $4.93B | $724.7M | $69.0M | 1.03% | 3.37% | 0.10% |
| Q3 2025 | $6.97B | $5.44B | $4.97B | $708.7M | $45.6M | 0.91% | 3.34% | 0.12% |
| Q2 2025 | $6.90B | $5.55B | $4.90B | $687.5M | $23.5M | 0.72% | 3.34% | 0.26% |
| Q1 2025 | $6.95B | $5.63B | $4.85B | $671.5M | $8.4M | 0.53% | 3.42% | 0.11% |
| Q4 2024 | $5.79B | $4.67B | $4.09B | $539.3M | $55.5M | 0.97% | 2.55% | 0.08% |
| Q3 2024 | $5.73B | $4.61B | $4.09B | $543.6M | $40.1M | 0.93% | 2.50% | 0.09% |
Loan mix (Q2 2026): real estate $4.61B · commercial $312.9M · consumer $20.7M · securities $1.36B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Camden National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 59.0% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Camden National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Camden National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Camden National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Camden National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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