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Auburnbank

Auburn, AL · Cert 35 · Auburn National Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Auburnbank

Auburn, AL · Cert 35 · Auburn National Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$1.1BAssets
$580.3MLoans
$990.5MDeposits
$90.9MEquity
Loan mix
93%RE $492.7M5%C&I $27.5M2%Consumer $8.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $729.2M26%Noninterest $261.2MQ2 2025Q2 2026

NIM

3.74%Q2 ’243.94%Q2 ’254.03%Q2 ’26+7%+6%

Non-interest income vs. expense

2.19%Q2 ’242.25%Q2 ’252.28%Q2 ’26+6%-1%

Market Position · Auburn-Opelika, AL · 2026 SOD (annual) · 20.3% share · #1 of 22 inst. · $0.9B of $4.6B

20.4% Lee
12.9% Chambers
17.1% Macon

Executive Summary

  • Earnings: ROA of 0.88%, up 19 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.01% of loans (-4 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.65%, up 1 bps from a year ago.
  • Funding: loans stand at 58.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+17 bps YoY

Efficiency Ratio (YTD, annualized)

68.21%-361 bps YoY

Tier 1 Leverage Ratio

10.65%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.77%0.74%0.88%0.88%+19 bps
Return on Equity8.58%9.26%8.84%9.89%10.15%+157 bps
Net Interest Margin2.84%2.88%2.89%2.96%3.01%+17 bps
Efficiency Ratio71.82%70.61%69.19%67.74%68.21%-361 bps
Non-Interest Burden1.96%1.94%1.91%1.90%1.95%-1 bps
Growth
Asset Growth (YoY)0.31%2.12%4.24%3.02%5.47%+516 bps
Loan Growth (YoY)-2.63%-1.45%0.27%3.76%3.09%+572 bps
Deposit Growth (YoY)-0.72%1.69%2.99%2.34%5.29%+601 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.02%0.09%0.05%0.01%-4 bps
Net Charge-Offs / Loans0.01%0.02%0.07%0.28%0.13%+13 bps
Allowance / Loans1.24%1.20%1.27%1.16%1.13%-10 bps
Allowance Coverage of NPLs23.1x64.3x13.7x21.9x102.9x+79.8x
Capital
Tier 1 Leverage Ratio10.64%10.72%10.71%10.57%10.65%+1 bps
Total Risk-Based Capital16.35%16.49%17.14%17.08%17.24%+89 bps
Equity / Assets8.24%8.74%8.91%8.85%8.38%+14 bps
Liquidity & Funding
Loans / Deposits59.84%60.79%61.23%62.40%58.59%-125 bps
Liquid Assets / Assets10.66%11.16%10.23%9.64%14.14%+348 bps
CRE / Total Capitaln/a332%334%343%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Auburnbank

Auburn, AL · Cert 35 · Peer group: banks $1B-$10B in assets (n=313-319) · Auburn National Bcorp Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$1.1BAssets
$580.3MLoans
$990.5MDeposits
$90.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 95% of banks $1B-$10B in assets (rank 16 of 313).
  • Widest gap: equity / assets trails 89% of banks $1B-$10B in assets (rank 283 of 319).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.85%

Rank 255 of 319

Net Interest Margin

3.01%

Rank 245 of 319

Efficiency Ratio

68.21%

Rank 246 of 319

Equity / Assets

8.38%

Rank 283 of 319

Non-interest income vs. expense

$3.5M$23.7MINCOMEEXPENSE
Unfavorable gap of $20.2M · efficiency ratio beats 23% of banks $1B-$10B in assets
Bank 68.21%Peer median 59.6%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.91%1.21%1.53%Beats 20%255 / 319
Return on Equity10.14%8.49%11.44%14.57%Beats 36%203 / 319
Net Interest Margin3.01%3.06%3.43%3.81%Beats 23%245 / 319
Efficiency Ratio68.21%51.90%59.57%67.64%Beats 23%246 / 319
Asset Quality
Nonperforming Loans / Loans0.01%0.25%0.54%1.18%Beats 95%16 / 313
Net Charge-Offs / Loans0.07%0.01%0.04%0.12%Beats 34%208 / 313
Capital
Tier 1 Capital Ratio16.26%11.74%12.99%15.28%Beats 82%58 / 319
Total Risk-Based Capital Ratio17.24%12.61%14.01%16.23%Beats 82%56 / 319
Equity / Assets8.38%9.03%10.33%12.01%Beats 11%283 / 319
Liquidity & Funding
Loans / Deposits58.59%76.76%88.16%95.43%6th pctl294 / 314
Loans / Assets53.48%65.79%74.05%79.84%10th pctl288 / 319
Brokered Deposits / Depositsn/aNot reported for this institution