---
schema_version: "secwatch.filing_event.v1"
accession: "0000750686-25-000297"
form_type: "8-K"
ticker: "CAC"
cik: "0000750686"
company_name: "CAMDEN NATIONAL CORP"
filed_at: "2025-10-28T23:59:59+00:00"
generated_at: "2026-05-17T02:04:37.932636+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Camden National reports record Q3 net income $21.2M, diluted EPS $1.25, up 51% QoQ

## Summary
- Record net income $21.2M, diluted EPS $1.25, both up 51% vs Q2 2025; non-GAAP pre-tax pre-provision income $29.5M (+19%).
- Net interest margin expanded 10 bps to 3.16%; GAAP efficiency ratio improved to 54.94% from 60.37%.
- Loans grew 4% annualized; deposits ex-brokered up 2% seasonally; loan-to-deposit ratio 93%.
- Charged-off $10.7M on a syndicated telecommunication loan; ACL on loans 0.91% (down from 1.08%).
- Book value per share $39.97 (+4%); tangible book value $28.42 (+6%); dividend $0.42/share payable Oct 31.

## SEC filing metadata
- accession: 0000750686-25-000297
- form_type: 8-K
- ticker: CAC
- cik: 0000750686
- company_name: CAMDEN NATIONAL CORP
- filed_at: 2025-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750686/000075068625000297/0000750686-25-000297-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750686/000075068625000297/cac-20251028.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000750686-25-000297
- JSON: https://secwatch.observer/filing/0000750686-25-000297.json
- Plain text: https://secwatch.observer/filing/0000750686-25-000297.txt

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