AUBURN BANKING COMPANY

AUBURN, KY | Small | Est. Jan. 1, 1929, midnight | FDIC #284 | RSSD #811541 | FDIC
Latest Report: 2025-12-31

AUBURN BANKING COMPANY is asn small FDIC-insured commercial bank headquartered in AUBURN, KY, established in Jan. 1, 1929, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $138M. Profitability stands at 1.00% ROA and 13.72% ROE, with a net interest margin of 4.42%. The bank's CET1 capital ratio is 11.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.75%. FDIC Certificate #284.

Assets

$153M

Deposits

$138M

Loans

$116M

Equity

$11M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 13.72%
Net Interest Margin (NIM) 4.42%
Yield on Assets 6.51%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.75%
NPA Ratio 0.06%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 11.63%
Tier 1 Capital 11.63%
Total Capital Ratio 12.44%
Leverage Ratio 8.58%
Loan-to-Deposit 84.06%

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