Auburn, AL · Cert 35 · Auburn National Bcorp Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Auburn-Opelika, AL · 2026 SOD (annual) · 20.3% share · #1 of 22 inst. · $0.9B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.64% | 0.75% | 0.89% | 0.67% | 0.88% | 0.90% | +15 bps | |
| Return on Equity | 9.13% | 8.00% | 7.96% | 9.14% | 10.54% | 7.61% | 9.89% | 10.41% | +128 bps | |
| Net Interest Margin | 2.69% | 2.76% | 2.78% | 2.90% | 2.98% | 3.01% | 2.96% | 3.04% | +14 bps | |
| Efficiency Ratio | 71.17% | 69.43% | 74.70% | 69.07% | 68.30% | 65.12% | 67.74% | 68.68% | -39 bps | |
| Non-Interest Burden | 1.82% | 1.82% | 2.00% | 1.91% | 1.93% | 1.86% | 1.90% | 1.98% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.93% | -0.04% | 1.76% | 0.31% | 2.12% | 4.24% | 3.02% | 5.47% | +516 bps | |
| Loan Growth (YoY) | 3.79% | 1.21% | -1.19% | -2.63% | -1.45% | 0.27% | 3.76% | 3.09% | +572 bps | |
| Deposit Growth (YoY) | -6.54% | -0.08% | 1.17% | -0.72% | 1.69% | 2.99% | 2.34% | 5.29% | +601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.11% | 0.05% | 0.02% | 0.09% | 0.05% | 0.01% | -4 bps | |
| Net Charge-Offs / Loans | 0.04% | -0.01% | 0.05% | -0.03% | 0.06% | 0.22% | 0.28% | -0.01% | +2 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.20% | 1.24% | 1.20% | 1.27% | 1.16% | 1.13% | -10 bps | |
| Allowance Coverage of NPLs | 8.9x | 13.7x | 11.3x | 23.1x | 64.3x | 13.7x | 21.9x | 102.9x | +79.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.49% | 10.52% | 10.64% | 10.72% | 10.71% | 10.57% | 10.65% | +1 bps | |
| Total Risk-Based Capital | 15.76% | 15.81% | 16.05% | 16.35% | 16.49% | 17.14% | 17.08% | 17.24% | +89 bps | |
| Equity / Assets | 8.37% | 7.87% | 8.20% | 8.24% | 8.74% | 8.91% | 8.85% | 8.38% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.73% | 62.89% | 61.55% | 59.84% | 60.79% | 61.23% | 62.40% | 58.59% | -125 bps | |
| Liquid Assets / Assets | 5.56% | 4.20% | 6.66% | 10.66% | 11.16% | 10.23% | 9.64% | 14.14% | +348 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 334% | 343% | n/a | n/a | |