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Auburn Banking Company

Auburn, KY · Cert 284 · First Community Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$164.3MAssets
$125.8MLoans
$149.8MDeposits
$11.4MEquity
Loan mix
89%RE $100.4M8%C&I $8.6M4%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $106.1M29%Noninterest $43.7MQ3 2024Q2 2026

Market Position · Clarksville, TN-KY · 2026 SOD (annual) · 0.3% share · #16 of 19 inst. · $0.0B of $6.2B

16.5% Logan
1.3% Christian

Executive Summary

  • Earnings: ROA of 1.30%, down 9 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.65% of loans (+49 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.26%, down 27 bps from a year ago.
  • Funding: loans stand at 84.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-1 bps YoY

Efficiency Ratio (YTD, annualized)

59.47%+83 bps YoY

Tier 1 Leverage Ratio

8.26%-27 bps YoY

NIM

5.67%Q2 ’245.75%Q2 ’255.68%Q2 ’260%0%

Non-interest income vs. expense

2.49%Q2 ’242.51%Q2 ’252.54%Q2 ’26+2%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.36%1.28%1.39%1.39%1.23%1.28%1.30%-9 bps
Return on Equity21.89%21.68%18.79%20.10%19.71%17.36%17.49%18.10%-201 bps
Net Interest Margin3.83%3.81%3.83%3.86%3.93%3.81%3.87%3.85%-1 bps
Efficiency Ratio57.54%57.96%60.72%58.63%58.43%59.63%61.12%59.47%+83 bps
Non-Interest Burden2.02%2.03%2.17%2.09%2.12%2.12%2.20%2.12%+3 bps
Growth
Asset Growth (YoY)9.16%5.00%4.03%0.99%3.28%10.05%10.82%17.46%+1,646 bps
Loan Growth (YoY)12.68%11.77%7.39%1.24%3.96%8.02%8.42%17.21%+1,596 bps
Deposit Growth (YoY)11.20%5.66%3.22%4.72%5.09%14.12%14.75%19.54%+1,483 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.08%0.15%0.15%0.46%0.40%0.31%0.65%+49 bps
Net Charge-Offs / Loans0.01%0.04%0.07%0.04%0.04%0.04%-0.01%0.02%-2 bps
Allowance / Loans0.75%0.72%0.71%0.72%0.73%0.77%0.77%0.76%+4 bps
Allowance Coverage of NPLs2.2x8.6x4.8x4.8x1.6x1.9x2.5x1.2x-3.6x
Capital
Tier 1 Leverage Ratio8.11%8.49%8.68%8.53%8.76%8.58%8.52%8.26%-27 bps
Total Risk-Based Capital10.63%12.18%12.56%12.43%12.39%12.44%12.37%11.80%-63 bps
Equity / Assets6.65%6.59%7.01%7.12%7.39%7.26%7.35%6.93%-20 bps
Liquidity & Funding
Loans / Deposits88.63%88.80%88.65%85.69%87.67%84.06%83.75%84.01%-167 bps
Liquid Assets / Assets0.13%1.48%0.07%0.11%0.15%0.13%0.11%0.14%+3 bps
CRE / Total Capitaln/an/an/an/a196.86%204%196.34%n/an/a