Camden National Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Camden National Bank (FDIC Cert #4255) registers 61/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its lending reaches counties such as Penobscot County, ME, Hancock County, ME, Cumberland County, ME, Rockingham County, NH, each tied back to DLRadar's distress signals. Because Camden National Bank is publicly traded (CAC) under Camden National Corp, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 533 ZIP codes Camden National Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Camden National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 61/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. What separates this from a plain credit rating is the geographic weighting — Camden National Bank's 61/100 reading reflects not just its balance sheet but the 20 counties it lends into, so the score doubles as a map of where its stress will land first. Its footprint is mid-sized and regionally concentrated: 533 ZIP codes in 20 counties over 2 states. It concentrates most in Maine (13 counties), New Hampshire (7 counties). The combination of a elevated reading and a mid-sized footprint is what makes Camden National Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Camden National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.