Auburnbank
Auburn, AL · Cert 35 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 96% of banks $1B-$10B in assets (rank 15 of 322).
- Widest gap: equity / assets trails 90% of banks $1B-$10B in assets (rank 295 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 260 of 328
Net Interest Margin
3.01%
Rank 248 of 328
Efficiency Ratio
68.21%
Rank 254 of 328
Equity / Assets
8.38%
Rank 295 of 328
Non-interest income vs. expense
Unfavorable gap of $20.2M · efficiency ratio beats 23% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.91% | 1.22% | 1.52% | Beats 21% | 260 / 328 | | |
| Return on Equity | 10.14% | 8.43% | 11.45% | 14.43% | Beats 37% | 207 / 328 | | |
| Net Interest Margin | 3.01% | 3.03% | 3.45% | 3.83% | Beats 24% | 248 / 328 | | |
| Efficiency Ratio | 68.21% | 51.61% | 59.56% | 67.53% | Beats 23% | 254 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.24% | 0.51% | 1.03% | Beats 96% | 15 / 322 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 32% | 221 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 16.26% | 11.75% | 13.15% | 15.47% | Beats 80% | 64 / 328 | | |
| Total Risk-Based Capital Ratio | 17.24% | 12.63% | 14.15% | 16.46% | Beats 81% | 61 / 328 | | |
| Equity / Assets | 8.38% | 9.15% | 10.33% | 12.01% | Beats 10% | 295 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.59% | 76.63% | 87.92% | 95.36% | 7th pctl | 302 / 323 | | |
| Loans / Assets | 53.48% | 65.18% | 74.15% | 79.98% | 10th pctl | 295 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |