Camden National (CAC) Registration Filing summary

Company overview and business model

• Publicly held bank holding company with $5.8 billion in assets as of December 31, 2024, headquartered in Maine.

• Operates Camden National Bank, offering banking, wealth management, trust, brokerage, investment advisory, and insurance services.

• Expanded presence in New Hampshire through the acquisition of Northway Financial, Inc., adding 17 branches and $1.2 billion in assets.

• Serves consumer, institutional, municipal, non-profit, and commercial customers across Maine and New Hampshire.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, with specifics to be detailed in future prospectus supplements.

Risk factors and disclosures

• Risks include economic weakness in Northern New England, interest rate and market fluctuations, competition, regulatory changes, cybersecurity, and effects of geopolitical events.

• Additional risks stem from recent acquisitions, such as integration challenges and realization of expected synergies.

• Reference to detailed risk factors in the most recent annual and quarterly reports incorporated by reference.