Camden National (CAC) investor relations material

Company overview and market position

• Largest publicly traded bank headquartered in Northern New England, with $7.0B in assets and $5.6B in deposits as of March 31, 2026.

• Operates 72 branches with over 675 employees, serving Maine, New Hampshire, and Massachusetts.

• Holds a 7.9% deposit market share in Maine and New Hampshire, ranking #2 among community banks.

• Market capitalization of $858M and forward PE of 9.4x as of June 8, 2026.

Strategic objectives and growth initiatives

• Focused on expanding the customer base through technology and scalable capabilities.

• Adapting to market changes with agility and innovation, including digital-first solutions.

• Proven acquirer, expanding commercial banking and wealth management services.

• Attracting and retaining top talent to support long-term growth.

Financial performance and efficiency

• Net interest margin (NIM) up 20 bps YoY to 3.24% as of March 31, 2026.

• Non-interest income represents 19% of total revenue, with 11% YoY growth in assets under administration.

• Achieved cost synergies from recent acquisition, targeting mid-50% efficiency ratio.

• Core operating expense and overhead ratios remain competitive with peers.