8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (date of earliest event reported): September 7, 2022

Camden National Corporation

(Exact name of registrant as specified in its charter)

Maine	01-28190		01-0413282
(State or other jurisdiction of incorporation)	(Commission File Number)		(IRS Employer Identification No.)
Two Elm Street	Camden	Maine	04843
(Address of principal executive offices)			(Zip Code)

Registrant's telephone number, including area code: (207) 236-8821

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, without par value	CAC	The NASDAQ Stock Market LLC

Item 7.01 Regulation FD Disclosure.

    Camden National Corporation (the "Company") prepared an investor presentation with information about the Company for an investor meeting to be held on September 7, 2022. The investor presentation is attached as Exhibit 99.1. The investor presentation is being furnished pursuant to Item 7.01, and the information contained therein shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liabilities under that Section. Furthermore, the information contained in Exhibit 99.1 shall not be deemed to be incorporated by reference into the filings of the Company under the Securities Act of 1933.

Item 9.01 Financial Statements and Exhibits.

(d)    The following exhibits are filed with this Report:

Exhibit No.	Description
99.1	Electronic investor presentation slides.
101	Cover Page Interactive Data - the cover page XBRL tags are embedded within the Inline XBRL document.
104	Cover Page Interactive Data File - Included in Exhibit 101.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: September 7, 2022

CAMDEN NATIONAL CORPORATION (Registrant)
By:	/s/ MICHAEL R. ARCHER
	Michael R. Archer Chief Financial Officer and Principal Financial & Accounting Officer

EX-99.1

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Acquisitions: 2008 Union Bankshares 2012 Bank of America (14 branches) 2015 The Bank of Maine as of 12/31/21 3 Year 5 Year 10 Year Total Return 47.7% 25.2% 195.8% TBV/Sh CAGR 11.7% 10.0% 7.2% EPS CAGR 10.7% 12.3% 8.8% Total Assets CAGR 8.6% 7.3% 9.1%

• • • • • 0.00% 0.30% 0.60% 0.90% 1.20% 1.50% 1.80% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22 0.00% 4.00% 8.00% 12.00% 16.00% 20.00% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22 0.00% 20.00% 40.00% 60.00% 80.00% 100.00% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22

• • • • • •

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• • • • • • •

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• • • 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10. 0% $0 $20,00 $40,00 $60,00 $80,00 $100,00 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 9.00% 10. 0% 0 500 1000 15000 2000 25000 3000

• • • • • • • • • •

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15 Year Stock price appreciation of 88.3% Average dividend yield of 3.01%

TBV Per Share(a) Dividends as a % of Net Income • • • •

0.00% 0.30% 0.60% 0.90% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% '13 '14 '15 '16 '17 '18 '19 '20 '21 YTD '22

Top 15 Lenders Origination Units Rank % of Total Bangor Savings Bank 2,392 1 10.9% Camden National Bank 1,516 2 6.9% Quicken Loans 1,271 3 5.8% Kennebec Savings Bank 897 4 4.1% First, N.A. 850 5 3.9% USA - various agencies 770 6 3.5% United Wholesale Mortgage 735 7 3.3% Key Bank 698 8 3.2% Machias Savings Bank 684 9 3.1% Norway Savings Bank 530 10 2.4% TD Bank, N.A. 530 10 2.4% Gorham Savings Bank 412 12 1.9% Atlantic Regional Federal Credit Union 376 13 1.7% Androscoggin Savings Bank 342 14 1.6% Sanford Inst. for Savings 323 15 1.5% All Other Lenders 9,693 - 44.0% Total 22,019 100.0% Six Months Ended June 30, 2022

XML

Document and Entity Information Document	Sep. 07, 2022
Entity Information [Line Items]
Document Type	8-K
Document Period End Date	Sep. 07, 2022
Entity Registrant Name	Camden National Corp
Entity Central Index Key	0000750686
Amendment Flag	false
Entity Incorporation, State or Country Code	ME
Entity File Number	01-28190
Entity Tax Identification Number	01-0413282
Entity Address, Address Line One	Two Elm Street
Entity Address, City or Town	Camden
Entity Address, State or Province	ME
Entity Address, Postal Zip Code	04843
City Area Code	207
Local Phone Number	236-8821
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock, without par value
Trading Symbol	CAC
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false