---
schema_version: "secwatch.filing_event.v1"
accession: "0000750686-23-000017"
form_type: "8-K"
ticker: "CAC"
cik: "0000750686"
company_name: "CAMDEN NATIONAL CORP"
filed_at: "2023-01-31T23:59:59+00:00"
generated_at: "2026-06-20T06:00:54.212044+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Camden National Q4 net income $15.4M ($1.05 EPS), +8% QoQ; FY net income $61.4M, -11% YoY

## Summary
- Q4 net income $15.4M, diluted EPS $1.05, up 8% from Q3 2022; ROAA 1.09%, ROAE 14.03%.
- FY2022 net income $61.4M, down 11% from record $69.0M in FY2021; net interest margin 2.76% (-12 bps QoQ).
- Loans grew $578.9M (17%) in 2022; deposits up 5%; NPAs at 0.09% of assets, net charge-offs 0.03%.
- Quarterly dividend raised 5% to annualized $1.68 per share; new 750K-share repurchase program announced.
- ACL on loans ratio 0.92%; non-interest income $9.8M (-2% QoQ); non-interest expense $27.0M (-0.4% QoQ).

## SEC filing metadata
- accession: 0000750686-23-000017
- form_type: 8-K
- ticker: CAC
- cik: 0000750686
- company_name: CAMDEN NATIONAL CORP
- filed_at: 2023-01-31T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750686/000075068623000017/0000750686-23-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750686/000075068623000017/cac-20230131.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000750686-23-000017
- JSON: https://secwatch.observer/filing/0000750686-23-000017.json
- Plain text: https://secwatch.observer/filing/0000750686-23-000017.txt

## Key facts
- Earnings Releases
  CAMDEN NATIONAL CORP reported financial results for the fiscal quarter and year ended December 31, 2022.
  - Period: the fiscal quarter and year ended December 31, 2022
  - Result: reported results
  source text: Camden National Corporation (the “Company”) issued a press release on January 31, 2023 announcing earnings for the fiscal quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/750686/000075068623000017/0000750686-23-000017-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.