Camden National (CAC) investor relations material

Franchise and strategy

• Largest publicly traded bank headquartered in Northern New England; parent of a bank established in 1875, with $7.1B in assets, $5.0B in loans, $5.8B in deposits, 72 branches and 675+ employees.

• Strategy centers on growing, evolving and operating the bank through technology, innovation, local expertise and consistent execution.

• Priorities include commercial banking expansion, wealth management growth, early adoption of technology and AI, and attracting and retaining talent.

• Maine and New Hampshire provide adjacent growth markets; deposit market share was 8.0% in Maine and 1.6% in New Hampshire as of June 30, 2026.

Technology and customer growth

• More than 140 automation bots process ~6.3M transactions annually; automation has created 95,000+ hours of cumulative capacity.

• Snowflake investments enabled early use of Explora, delivering actionable data insights to teams for productivity and relationship growth.

• Digital offerings include Round-Up savings or donations through debit transactions and Family Wallet, a digital-first youth banking service.

Net interest income and balance sheet

• 3Q26 FTE NII was $53.2M; NIM increased 25 bps YoY and core NIM increased 28 bps YoY.

• Q4 2026 core NIM is expected to be flat QoQ; the loan portfolio was 53% fixed, 25% variable and 22% floating rate at September 30, 2026.

• Loans were $5.002B at September 30, 2026, flat YoY; average loan balances were $5.013B and loan yield was 5.45%, down 5 bps YoY.

• Home equity loans grew 25% YoY; syndicated loans totaled $98M, or 2% of loans across 11 credits, and 47% of loans were adjustable or variable rate.

• Deposits rose 8% YoY to $5.849B; deposits excluding brokered funds grew 9%, deposit cost was 1.55%, and loan-to-deposit ratio was 86% versus 93% a year earlier.