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  <xs:element id="cac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisLineItems" 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_ProductsAndServicesOtherIncomeMember" abstract="true" name="ProductsAndServicesOtherIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_BrokerageFeesAndInsuranceIncome" abstract="false" name="BrokerageFeesAndInsuranceIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_PurchaseAccountingAccretionDuringPeriod" abstract="false" name="PurchaseAccountingAccretionDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_InterestRateContractOneMember" abstract="true" name="InterestRateContractOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_TransferredSecuritiesMember" abstract="true" name="TransferredSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" abstract="false" name="AllowanceForCreditLossesRelatedToTroubledDebtRestructuredLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_ProceedsfromsaleofFederalHomeLoanBankandFederalReserveBankstock" abstract="false" name="ProceedsfromsaleofFederalHomeLoanBankandFederalReserveBankstock" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_InterestExpenseDepositsMember" abstract="true" name="InterestExpenseDepositsMember" 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_CommonequitytierIcapital" abstract="false" name="CommonequitytierIcapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_ImpairedLoanscollateraldependentMember" abstract="true" name="ImpairedLoanscollateraldependentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_SBAPPPLoansTotalOriginationsNumberOfContracts" abstract="false" name="SBAPPPLoansTotalOriginationsNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cac_SBAPPPLoans2021OriginationsNumberOfContractsOutstanding" abstract="false" name="SBAPPPLoans2021OriginationsNumberOfContractsOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cac_RegulatoryAssessments" abstract="false" name="RegulatoryAssessments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_OffsettingTextBlock" abstract="false" name="OffsettingTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cac_ImpairedLoansPartiallyChargedOffMeasurementInput" abstract="false" name="ImpairedLoansPartiallyChargedOffMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="cac_LoanPortfolioTableTextBlock" abstract="false" name="LoanPortfolioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cac_InterestExpenseSubordinatedDebenturesMember" abstract="true" name="InterestExpenseSubordinatedDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_FinancingReceivableModificationsNumberOfContractsOutstanding" abstract="false" name="FinancingReceivableModificationsNumberOfContractsOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cac_CommercialRealEstatePortfolioSegmentNonOwnerOccupiedHospitalityRelatedLoansMember" abstract="true" name="CommercialRealEstatePortfolioSegmentNonOwnerOccupiedHospitalityRelatedLoansMember" 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_OtherInvestmentsAmortizedCost" abstract="false" name="OtherInvestmentsAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_IncreaseDecreaseInDerivativeCollateral" abstract="false" name="IncreaseDecreaseInDerivativeCollateral" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cac_StockIssuedDuringPeriodValueStockOptionsExercisedAndIssuanceOfRestrictedShares" abstract="false" name="StockIssuedDuringPeriodValueStockOptionsExercisedAndIssuanceOfRestrictedShares" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" 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_LoanConcentrationRiskMember" abstract="true" name="LoanConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_ProductsAndServicesBrokerageandInsuranceCommissionsMember" abstract="true" name="ProductsAndServicesBrokerageandInsuranceCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_ImpairedLoansPartiallyChargedOffMember" abstract="true" name="ImpairedLoansPartiallyChargedOffMember" 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_EquipmentAndSoftwareExpense" abstract="false" name="EquipmentAndSoftwareExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_PaymentsforProceedsfromLoansandLeasesExcludingLoansPreviouslyChargedOff" abstract="false" name="PaymentsforProceedsfromLoansandLeasesExcludingLoansPreviouslyChargedOff" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_InterestIncomeInterestandFeesonLoansMember" abstract="true" name="InterestIncomeInterestandFeesonLoansMember" 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_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTable" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <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_PremisesAndEquipmentTransferToRealEstateOwned" abstract="false" name="PremisesAndEquipmentTransferToRealEstateOwned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_TroubledDebtRestructuringandSpecificReserveRelatedtoTDRsTableTextBlock" abstract="false" name="TroubledDebtRestructuringandSpecificReserveRelatedtoTDRsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cac_FinancialInstrumentsLineItems" abstract="true" name="FinancialInstrumentsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_InterestRateContractTwoMember" abstract="true" name="InterestRateContractTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_DebtSecuritiesAvailableForSaleAmortizedCostTransferAmount" abstract="false" name="DebtSecuritiesAvailableForSaleAmortizedCostTransferAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_InterestExpenseBorrowingsMember" abstract="true" name="InterestExpenseBorrowingsMember" 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_ScheduleOfContractualAndNotionalAmountsOfFinancialInstrumentsTableTableTextBlock" abstract="false" name="ScheduleOfContractualAndNotionalAmountsOfFinancialInstrumentsTableTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cac_DebtSecuritiesAvailableForSaleTransferUnrealizedGainLoss" abstract="false" name="DebtSecuritiesAvailableForSaleTransferUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_LegalProceedingsLineItems" abstract="true" name="LegalProceedingsLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cac_PaymentsforFederalHomeLoanBankStock" abstract="false" name="PaymentsforFederalHomeLoanBankStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_SavingsandMoneyMarketDeposits" abstract="false" name="SavingsandMoneyMarketDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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_NonResidentialBuildingOperatorsIndustrySectorMember" abstract="true" name="NonResidentialBuildingOperatorsIndustrySectorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cac_AccruedInterestPayableAndOtherLiabilities" abstract="false" name="AccruedInterestPayableAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_TransferOfSecuritiesAvailableForSaleToHeldToMaturity" abstract="false" name="TransferOfSecuritiesAvailableForSaleToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_AllowanceRelatedToTroubledDebtRestructuringsAssignedDuringPeriod" abstract="false" name="AllowanceRelatedToTroubledDebtRestructuringsAssignedDuringPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_InterestIncomeFederalFundsSoldAndOtherShortTermInvestments" abstract="false" name="InterestIncomeFederalFundsSoldAndOtherShortTermInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_DepreciationDepletionandAmortizationExcludingAmortizationOfIntangibleAssets" abstract="false" name="DepreciationDepletionandAmortizationExcludingAmortizationOfIntangibleAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cac_FinancialInstrumentsTable" abstract="true" name="FinancialInstrumentsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cac_StockIssuedDuringPeriodSharesStockOptionsExercisedAndIssuanceOfRestrictedShares" abstract="false" name="StockIssuedDuringPeriodSharesStockOptionsExercisedAndIssuanceOfRestrictedShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <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_CommercialRealEstatePortfolioSegmentOwnerOccupiedMember" abstract="true" name="CommercialRealEstatePortfolioSegmentOwnerOccupiedMember" 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_FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisLineItems" abstract="true" name="FairValueAssetsAndLiabilitiesMeasuredOnNonrecurringBasisLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
