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Camden National (CAC) investor relations material
Camden National Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $14.1M, up 92% sequentially, with diluted EPS of $0.83, reflecting strong post-Northway acquisition performance and cost synergies.
Adjusted net income for H1 2025 was $31.2M, up 27% year-over-year, and adjusted EPS was $1.84, up 10% year-over-year.
The Northway acquisition closed January 2, 2025, adding 17 branches, $775.7M in loans, and $971.7M in deposits, expanding presence in New Hampshire.
Integration of Northway completed in Q1 2025, with expense synergies realized in Q2 and full cost benefits expected in Q3 2025.
Asset quality remains strong, with no systemic credit concerns; a $12M syndicated commercial loan was placed on non-accrual due to borrower bankruptcy.
Financial highlights
Net interest income for Q2 2025 was $49.2M, up 1% from Q1 2025 and 53% year-over-year; non-interest income rose 17% sequentially to $13.1M, up 23% year-over-year.
Non-interest expense for Q2 2025 was $37.6M, down 15% sequentially, up 38% year-over-year, reflecting lower merger costs and realized synergies.
Book value per share increased to $38.54; tangible book value per share rose 3% to $26.90 in Q2 2025.
Loans grew 1% sequentially to $4.93B; deposits decreased 1% to $5.51B.
Net interest margin improved to 3.06% (core NIM 2.70%), up 2 bps from Q1 2025 and 70 bps year-over-year.
Outlook and guidance
Management expects continued net interest margin expansion and further earnings growth in H2 2025 as cost synergies are fully realized.
Run-rate operating expenses are anticipated to improve further as integration benefits are fully captured.
The bankruptcy resolution of the $12M syndicated commercial loan is expected in H2 2025.
No material impact expected from recent tax legislation.
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Next Camden National earnings date
Q3 202528 Oct, 2025
Next Camden National earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Camden National Corporation is a bank holding company that provides a range of financial services through its subsidiary, Camden National Bank. The company offers personal and business banking, wealth management, and lending services across its network of branches and digital platforms. It serves customers primarily in the state of Maine. Camden National Corporation is headquartered in Camden, Maine, and its shares are listed on the NASDAQ.
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