Unverified listing What this means
The Lender Report built this page from public records. The Camden National Bank has not reviewed it. Every lender's page starts this way, and it says nothing about The Camden National Bank itself. Each figure shows its source and date. Work at The Camden National Bank? You can claim this page for free.
Bank, Camden, ME
The Camden National Bank
A bank based in Camden, ME. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $2.48B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 20
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 59
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $6.94B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-860-8821 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.camdennational.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- camdennational.bankFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Camden National BankFDIC institution record,
- Address
- 2 Elm St, Camden, ME 04843FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. The Camden National Bank's Construction balance rose 12.0% to $194.2M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 2 closed, 1 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 7 under Preferred Lender authority, 38 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 9.8% to $1.1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 6.2% to $427.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| January 2, 2025 | Acquired Northway Bank on January 2, 2025.FDIC structure history. | FDIC history, |
| 2024 | Reported making 1,742 small business loans totaling $176.6M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | New Hampshire | SBA 7(a), Full-Service Restaurants | $800K | 6% | 8 yr | SBA FOIA | |
| Mar 2026 | Maine | SBA 7(a), Other Services (except Public Administration) | $250K | 7.25% | 10 yr | SBA FOIA | |
| Feb 2026 | Maine | SBA 504, Retail Trade | $880K | 25 yr | SBA FOIA | ||
| 2025 | Penobscot County, ME | Refinance, 5 to 24 units | $2M | 6.56% | 10 yr | 58% | HMDA 2025 |
| 2025 | Penobscot County, ME | Purchase, 5 to 24 units | $1.7M | 6.4% | 10 yr | 65% | HMDA 2025 |
| 2025 | York County, ME | Purchase, 5 to 24 units | $1.7M | 6.29% | 10 yr | 51% | HMDA 2025 |
| 2025 | Cumberland County, ME | Refinance, 5 to 24 units | $1.5M | 6% | 5 yr | 42% | HMDA 2025 |
| 2025 | Merrimack County, NH | Purchase, 5 to 24 units | $1.4M | 8.5% | 10 yr | 70% | HMDA 2025 |
| 2025 | Middlesex County, MA | Purchase, 5 to 24 units | $1.2M | 6.69% | 5 yr | 70% | HMDA 2025 |
| 2025 | Cumberland County, ME | Purchase, 5 to 24 units | $1M | 7.2% | 25 yr | 75% | HMDA 2025 |
| Dec 2025 | Maine | SBA 504, Retail Trade | $1M | 25 yr | SBA FOIA | ||
| 2025 | Kennebec County, ME | Refinance, 5 to 24 units | $720K | 6.45% | 25 yr | 70% | HMDA 2025 |
| Dec 2025 | New Hampshire | SBA 504, Manufacturing | $450K | 25 yr | SBA FOIA | ||
| 2025 | Kennebec County, ME | Refinance, 5 to 24 units | $420K | 7.89% | 25 yr | 60% | HMDA 2025 |
| 2025 | Maine | Purchase, 5 to 24 units | $420K | 7.94% | 25 yr | 75% | HMDA 2025 |
| 2025 | Penobscot County, ME | Purchase, 5 to 24 units | $400K | 6.1% | 10 yr | 75% | HMDA 2025 |
| 2025 | Maine | Purchase, 5 to 24 units | $340K | 7.2% | 25 yr | 35% | HMDA 2025 |
| 2025 | Kennebec County, ME | Purchase, 5 to 24 units | $340K | 6.38% | 25 yr | 80% | HMDA 2025 |
| 2025 | Androscoggin County, ME | Refinance, 5 to 24 units | $300K | 6.96% | 25 yr | 34% | HMDA 2025 |
| 2025 | Cumberland County, ME | Refinance, 5 to 24 units | $260K | 8.5% | 25 yr | 58% | HMDA 2025 |
| 2025 | Middlesex County, MA | Improvement, 5 to 24 units | $240K | 7.01% | 2.8 yr | 60% | HMDA 2025 |
| Dec 2025 | New Hampshire | SBA 7(a), Manufacturing | $100K | 6.75% | 5 yr | SBA FOIA | |
| 2025 | Androscoggin County, ME | Refinance, 5 to 24 units | $100K | 6.96% | 25 yr | 34% | HMDA 2025 |
| 2025 | Androscoggin County, ME | Refinance, 5 to 24 units | $100K | 6.96% | 25 yr | 34% | HMDA 2025 |
| 2025 | Hancock County, ME | Refinance, 5 to 24 units | $95K | 7.97% | 10 yr | 30% | HMDA 2025 |
| 20 multifamily loans made in 2025 | $14.4M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $391M | 7.8% | -1.9% |
| Construction and land development | $194M | 3.9% | +4.0% |
| Owner-occupied CRE | $428M | 8.5% | +6.2% |
| Non-owner-occupied CRE | $1.15B | 22.9% | +9.8% |
| Farmland | $1.59M | 0.0% | Not reported |
| Commercial and industrial | $313M | 6.2% | -8.4% |
| Commercial total | $2.48B |
Reference only: $2.45B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $1.97B |
| Q4 2023 | $1.98B |
| Q1 2024 | $2.01B |
| Q2 2024 | $2.00B |
| Q3 2024 | $1.98B |
| Q4 2024 | $1.98B |
| Q1 2025 | $2.36B |
| Q2 2025 | $2.38B |
| Q3 2025 | $2.44B |
| Q4 2025 | $2.43B |
| Q1 2026 | $2.46B |
| Q2 2026 | $2.48B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 20 | $14.4M | $410K | $2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 23 | $83.0M | $335K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 150 | $46.3M | $240K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 48 | $5.28M | $50.0K | $1M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $1.20M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 11 | $8.79M | $770K | $2.3M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- The Camden National Bank reported making 1,742 small business loans totaling $176,618,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1,377 of $100,000 or less, 205 over $100,000 up to $250,000, 160 over $250,000 up to $1 million.
- 1,265 of them, totaling $80,658,000, went to businesses with revenue of $1 million or less.
- The Camden National Bank reported making 159 small farm loans totaling $10,175,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 136 of $100,000 or less, 16 over $100,000 up to $250,000, 7 over $250,000 up to $500,000.
- 152 of them, totaling $9,322,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Kennebec County, ME | 252 | $17.5M |
| Penobscot County, ME | 208 | $20.1M |
| Knox County, ME | 184 | $18.3M |
| Cumberland County, ME | 159 | $21.9M |
| Waldo County, ME | 153 | $12.3M |
| Hancock County, ME | 146 | $9.72M |
| Androscoggin County, ME | 138 | $17.5M |
| York County, ME | 106 | $11.9M |
| Lincoln County, ME | 86 | $6.09M |
| Somerset County, ME | 69 | $6.81M |
| County | Loans | Total |
|---|---|---|
| Knox County, ME | 51 | $3.40M |
| Hancock County, ME | 33 | $1.85M |
| Washington County, ME | 27 | $1.28M |
| Cumberland County, ME | 10 | $865K |
| Kennebec County, ME | 8 | $564K |
| Penobscot County, ME | 7 | $479K |
| Waldo County, ME | 6 | $360K |
| Lincoln County, ME | 5 | $215K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- The Camden National Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $50,569,000 for 1-4 family residential construction and $119,537,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $186,520,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2,007 | $27.7M |
| Over $100,000 up to $250,000 | 387 | $33.3M |
| Over $250,000 up to $1 million | 288 | $58.3M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 98 | $3.71M |
| Over $100,000 up to $250,000 | 336 | $41.2M |
| Over $250,000 up to $1 million | 568 | $218M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $43.0K |
| Over $100,000 up to $250,000 | 3 | $327K |
| Over $250,000 up to $500,000 | 1 | $254K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 197 | $2.97M |
| Over $100,000 up to $250,000 | 52 | $4.77M |
| Over $250,000 up to $500,000 | 33 | $6.46M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Maine HQ | 56 | 16 | 125 | 2 | 3 |
| New Hampshire | 18 | 2 | 18 | 45 | 7 |
| Massachusetts | 0 | 2 | 1 | 1 | 1 |
| Vermont | 0 | 0 | 2 | 0 | 0 |
| Arizona | 0 | 0 | 1 | 0 | 0 |
| South Carolina | 0 | 0 | 1 | 0 | 0 |
| Texas | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Penobscot County, ME | 6 | $5.00M |
| Cumberland County, ME | 6 | $3.12M |
| Kennebec County, ME | 5 | $2.19M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Portland-South Portland, ME | 9 | $6.18M |
| Bangor, ME | 6 | $5.00M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- The Camden National Bank has 72 offices in 20 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 72 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Kennebec County, ME | 11 | 0 |
| Hancock County, ME | 7 | 0 |
| Knox County, ME | 6 | 0 |
| Penobscot County, ME | 6 | 0 |
| Cumberland County, ME | 4 | 0 |
| Lincoln County, ME | 4 | 0 |
| Washington County, ME | 4 | 0 |
| Carroll County, NH | 4 | 0 |
| Sagadahoc County, ME | 3 | 0 |
| York County, ME | 3 | 0 |
| Belknap County, NH | 3 | 0 |
| Androscoggin County, ME | 2 | 0 |
| Piscataquis County, ME | 2 | 0 |
| Somerset County, ME | 2 | 0 |
| Waldo County, ME | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $99.6M | $36.5M to $99.4M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 260.9% | 178.3% to 462.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 29.2% | 4.2% to 71.6% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 89.7% | 90.4% to 123.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $170M | $18.2M to $409M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 72.3% | 67.8% to 87.8% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 7 loans (14.6%)
- SBA Express
- 38 loans
- Approval to first disbursement
- 34 days, median of 40
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Bangor Savings Bank | ME | $7.74B | $2.31B |
| Bar Harbor Bank & Trust | ME | $4.73B | $2.32B |
| Northeast Bank | ME | $5.23B | $3.58B |
| Maine Community Bank | ME | $2.98B | $1.63B |
| Machias Savings Bank | ME | $2.67B | $1.47B |
| Norway Savings Bank | ME | $2.16B | $845M |
| Kennebunk Savings Bank | ME | $2.17B | $1.29B |
| First National Bank | ME | $3.18B | $1.38B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. The Camden National Bank, FDIC certificate 4255. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $6.94B in total assets and $2.48B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 252 recorded loans from HMDA and SBA files, through September 30, 2026: 20 HMDA multifamily 2025, 23 HMDA multifamily 2024, 150 HMDA 1-4 unit investor 2025, 48 SBA 7(a) in 36 months, 11 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to The Camden National Bank]
- Phone and website. Phone 800-860-8821, from the lender's website on November 9, 2026. Website camdennational.bank, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 1,742 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 4255
- RSSD
- 593007
- LEI
- 549300VMVKSQE1B7DD43
- The Lender Report ID
- lr_000282
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $6.9B in total assets as of June 30, 2026 (FDIC call report).
- Held $2.5B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.1B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 9.8% from a year earlier (FDIC call report).
- Held $427.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 6.2% from a year earlier (FDIC call report).
- Held $391.1M of multifamily loans as of June 30, 2026 (FDIC call report).
- Originated 20 multifamily loans totaling $14.4M in 2025 (HMDA).
10 more sentences
- Originated 23 multifamily loans totaling $83M in 2024 (HMDA).
- Originated 150 1-4 unit investor or business-purpose loans totaling $46.3M in 2025 (HMDA).
- Recorded 52 SBA 7(a) approvals totaling $5.7M from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Provided the first lien on 15 SBA 504 projects with $15.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 4 were later cancelled (SBA).
- Listed 74 offices in 2 states (FDIC).
- Reported making 1,742 small business loans totaling $176.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 159 small farm loans totaling $10.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 2,682 commercial and industrial loans that were $1 million or less when made, with a balance of $119.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1,002 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $263.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $50.6M for 1-4 family and $119.5M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, The Camden National Bank, https://lender.report/lender/camden-national-bank-me/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem