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  <xs:element id="cac_TotalCommercialRealEstatePortfolioSegmentMember" abstract="true" name="TotalCommercialRealEstatePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_TotalLoanPortfolioMember" abstract="true" name="TotalLoanPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_CommercialRealEstatePortfolioSegmentNonOwnerOccupiedMember" abstract="true" name="CommercialRealEstatePortfolioSegmentNonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_HomeEquityPortfolioSegmentMember" abstract="true" name="HomeEquityPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_Unrealizedgainlossonloansheldforsale" abstract="false" name="Unrealizedgainlossonloansheldforsale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_NumberofPortfolioConcentrationIndustries" abstract="false" name="NumberofPortfolioConcentrationIndustries" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cac_LoansAndLeasesReceivableExcludedAccruedInterestFromAmortizedCost" abstract="false" name="LoansAndLeasesReceivableExcludedAccruedInterestFromAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_LoansAndLeasesReceivableImpairedInterestIncomeForegone" abstract="false" name="LoansAndLeasesReceivableImpairedInterestIncomeForegone" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_CommercialRealEstatePortfolioSegmentOwnerOccupiedMember" abstract="true" name="CommercialRealEstatePortfolioSegmentOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_RetailLoanMember" abstract="true" name="RetailLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_NetUnamortizedLoanOriginationCosts" abstract="false" name="NetUnamortizedLoanOriginationCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_NetUnamortizedfairValueMarkDiscountonLoans" abstract="false" name="NetUnamortizedfairValueMarkDiscountonLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalExcludingLoansAcquiredThroughBusinessCombination" abstract="false" name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalExcludingLoansAcquiredThroughBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalGeneralLoansOnly" abstract="false" name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalGeneralLoansOnly" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalLoansOnly" abstract="false" name="FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalLoansOnly" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_GeneralBusinessAssetsMember" abstract="true" name="GeneralBusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_FinancingReceivableNonaccrualWithAllowance" abstract="false" name="FinancingReceivableNonaccrualWithAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_CustomerRepurchaseAgreementsMember" abstract="true" name="CustomerRepurchaseAgreementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_FHLBBandCorrespondentBankOvernightBorrowingsMember" abstract="true" name="FHLBBandCorrespondentBankOvernightBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SubordinatedDebtandJuniorSubordinatedDebtMember" abstract="true" name="SubordinatedDebtandJuniorSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SubsidiaryOneMember" abstract="true" name="SubsidiaryOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SubsidiaryTwoMember" abstract="true" name="SubsidiaryTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SubsidiaryThreeMember" abstract="true" name="SubsidiaryThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SubsidiaryFourMember" abstract="true" name="SubsidiaryFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_NorthwayFinancialIncNFIMember" abstract="true" name="NorthwayFinancialIncNFIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_FHLBBandCorrespondentBankOvernightBorrowings" abstract="false" name="FHLBBandCorrespondentBankOvernightBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_LegalProceedingsTable" abstract="true" name="LegalProceedingsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cac_LegalProceedingsLineItems" abstract="true" name="LegalProceedingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cac_FinancialInstrumentsTable" abstract="true" name="FinancialInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cac_FinancialInstrumentsLineItems" abstract="true" name="FinancialInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cac_ContractualAmountsOfFinancialInstrument" abstract="false" name="ContractualAmountsOfFinancialInstrument" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_CustomerLoanSwapsMember" abstract="true" name="CustomerLoanSwapsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToExpenseEstimatedNetAmountToBeTransferred" abstract="false" name="DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToExpenseEstimatedNetAmountToBeTransferred" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_ProvisionBreachSettlementObligationTerminationValue" abstract="false" name="ProvisionBreachSettlementObligationTerminationValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_AOCIDerivativeQualifyingAsHedgeIncludedComponentMember" abstract="true" name="AOCIDerivativeQualifyingAsHedgeIncludedComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_AOCIDerivativeQualifyingAsHedgeExcludedComponentMember" abstract="true" name="AOCIDerivativeQualifyingAsHedgeExcludedComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_InterestRateContractThreeMember" abstract="true" name="InterestRateContractThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_InterestRateContractFourMember" abstract="true" name="InterestRateContractFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_CustomerLoanSwapDealerBankMember" abstract="true" name="CustomerLoanSwapDealerBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_CustomerLoanSwapsCommercialCustomerMember" abstract="true" name="CustomerLoanSwapsCommercialCustomerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredforCapitalAdequacytoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cac_ValueOfTrustPreferredSecuritiesIncludedInTierOneCapital" abstract="false" name="ValueOfTrustPreferredSecuritiesIncludedInTierOneCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" abstract="false" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cac_CommonequitytierIcapital" abstract="false" name="CommonequitytierIcapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_CommonEquityTierIRiskBasedCapitalRatio" abstract="false" name="CommonEquityTierIRiskBasedCapitalRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cac_CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cac_OtherComprehensiveIncomeLossSecuritiesAvailableforsaleAdjustmentTax" abstract="false" name="OtherComprehensiveIncomeLossSecuritiesAvailableforsaleAdjustmentTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_ProductsAndServicesDebtCardIncomeMember" abstract="true" name="ProductsAndServicesDebtCardIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_ProductsAndServicesDepositAccountsServiceChargesMember" abstract="true" name="ProductsAndServicesDepositAccountsServiceChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_ProductsAndServicesFiduciaryServicesIncomeMember" abstract="true" name="ProductsAndServicesFiduciaryServicesIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_ProductsAndServicesBrokerageandInsuranceCommissionsMember" abstract="true" name="ProductsAndServicesBrokerageandInsuranceCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_ProductsAndServicesOtherIncomeMember" abstract="true" name="ProductsAndServicesOtherIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
