Auburn Banking Company
Auburn, KY · Cert 284 · Peer group: banks under $1B in assets in KY (n=69) · First Community Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$164.3MAssets
$125.8MLoans
$149.8MDeposits
$11.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 88% of banks under $1B in assets in KY (rank 8 of 69).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in KY (rank 62 of 69).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.24%
Rank 27 of 69
Net Interest Margin
3.85%
Rank 27 of 69
Efficiency Ratio
59.47%
Rank 32 of 69
Equity / Assets
6.93%
Rank 62 of 69
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 55% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.83% | 1.18% | 1.44% | Beats 61% | 27 / 69 | |
| Return on Equity | 17.96% | 7.64% | 11.70% | 15.70% | Beats 88% | 8 / 69 | |
| Net Interest Margin | 3.85% | 3.45% | 3.75% | 3.96% | Beats 61% | 27 / 69 | |
| Efficiency Ratio | 59.47% | 55.32% | 62.99% | 70.80% | Beats 55% | 32 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.18% | 0.52% | 1.14% | Beats 42% | 41 / 69 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.06% | Beats 54% | 33 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 11.00% | 11.33% | 13.58% | 16.27% | Beats 20% | 55 / 69 | |
| Total Risk-Based Capital Ratio | 11.80% | 11.55% | 14.43% | 17.27% | Beats 26% | 51 / 69 | |
| Equity / Assets | 6.93% | 8.31% | 9.91% | 12.53% | Beats 10% | 62 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 84.01% | 71.40% | 81.07% | 88.03% | 58th pctl | 29 / 69 | |
| Loans / Assets | 76.61% | 61.10% | 68.66% | 76.68% | 72nd pctl | 19 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |