Camden National Corp
camdennationalcorporation.comWhat Do They Do?
Takes deposits and makes loans for individuals, businesses, and public and nonprofit organizations, and offers wealth management and investment services.
10-K for FY2025, filed Mar 6, 2026
How Do They Make Money?
Borrowers pay interest on loans, while Camden earns interest on investments and pays interest on deposits and borrowings; it also receives fees tied to debit-card transactions and deposit-account activity, daily wealth-management fees, and brokerage-related commissions.
10-K for FY2025, filed Mar 6, 2026What We Do. The Company, as a diversified financial services provider, pursues the objective of achieving long-term sustainable and…View ↗
Debit Card Interchange Income. The Company has separate contracts with intermediaries and earns interchange revenue and incurs related…View ↗
Service charges on deposit accounts. Deposit-related fees, include, but are not limited to, overdraft income, service charge income, and…View ↗
Fiduciary services income. The Company, through its wealth management and trust services department, doing business as Camden National…View ↗
Investment program income. Under an investment program offered by the Company, doing business as Camden Financial Consultants (“Program”)…View ↗
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10-K for FY2025, filed Mar 6, 2026
FY2025 revenue by product or service ↗
$41.7M
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10-K for FY2025, filed Mar 6, 2026
$41.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Debit card income
Usage-based
10-K for FY2025, filed Mar 6, 2026 |
37%
FY2022: 40%
|
Debit card income, FY2025
$15.3M Sources
|
Usage-based |
|
Service charges on deposit accounts
Usage-based
10-K for FY2025, filed Mar 6, 2026 |
24%
FY2022: 23%
|
Service charges on deposit accounts, FY2025
$9.9M Sources
|
Usage-based |
|
Income from fiduciary services
Recurring
10-K for FY2025, filed Mar 6, 2026 |
18%
FY2022: 19%
|
Income from fiduciary services, FY2025
$7.6M Sources
|
Recurring |
|
Brokerage and insurance commissions
|
17%
FY2022: 12%
|
Brokerage and insurance commissions, FY2025
$7M Sources
|
|
|
Other income
|
4.7%
FY2022: 5.4%
|
Other income, FY2025
$2M Sources
|
Who Are Their Customers?
Individuals and families, businesses, and public and nonprofit organizations use the bank for deposits and loans through branches and digital channels. Wealth and investment clients can also work with the bank’s wealth teams and representatives of LPL.
10-K for FY2025, filed Mar 6, 2026What We Do. The Company, as a diversified financial services provider, pursues the objective of achieving long-term sustainable and…View ↗
Camden National Bank. The Bank is a national banking association chartered under the laws of the United States and headquartered in Camden…View ↗
Camden National Wealth Management provides a comprehensive suite of fiduciary and asset management services for both individual and…View ↗
Securities and advisory services are offered through LPL Financial (“LPL”), a registered investment advisor and broker-dealer (member…View ↗
Customers may also access our products and services using other channels, including online at www.CamdenNational.bank or by downloading our…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 139 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Growing. Revenue grew 31% in 4 years, from $32M in FY2021 to $41.7M in FY2025, about 7% a year.
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