Auburn Banking Company
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Data as of · sourced from FFIEC call reports. How we update
Auburn Banking Company is an FDIC-insured commercial bank headquartered in Auburn, KY, established in 1929 (FDIC certificate 284), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $164.3M, up 17.5% from Q2 2025, the 89th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 284
- Headquarters
- Auburn, KY
- Established
- 1929
- Total assets, Q2 2026
- $164.3M
- Assets vs Q2 2025
- +17.5%
- CET1 ratio, Q2 2026
- 11.00%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 083903661
- Holding company
- FIRST COMMUNITY BANCORP, INC
- Asset rank in state
- 89th of 120 in Kentucky
Problem loans are rising at Auburn Banking Company. Based in Auburn, Kentucky, it had $164 million in assets at June 30, 2026, up 17.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.65% of loans from 0.15% a year earlier. It returns 23.8% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 11.00% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Auburn Banking Company reported a CET1 capital ratio of 11.00%, a return on assets of 1.69%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 6.58%. The figures come from its call report filed with the FFIEC.
Auburn Banking Company ranks as the 89th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.1% to $164.3M, loans rose 7.0% and deposits rose 6.7%. 1-4 family residential loans made up 48.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 14.7%. Its 3 offices in the FDIC Summary of Deposits are in Auburn, KY, Russellville, KY and Hopkinsville, KY; its Auburn office books 48% of its branch deposits. On its Q2 2026 call report, Auburn Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 236 Sugar Maple Drive, Auburn, KY 42206
- County
- Logan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1929
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $149.8M
- Allowance for credit losses
- $953K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $159.6M
- Average total loans
- $123.3M
- Average interest-bearing deposits
- $103.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 284
- Fed RSSD
- 811541
- Website
- www.auburnbankingcompany.com →
- Parent Holding Company
- FIRST COMMUNITY BANCORP, INC (RSSD 2151670)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Auburn Banking Company's total assets moved between a low of $126.0M (Q3 2023) and a high of $164.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$164.3M total assets against $139.8M; $152.9M total liabilities against $129.9M.
$124.9M net loans and leases against $106.6M; $149.8M total deposits against $125.3M.
$20.4M securities against $16.7M; $13.7M cash and balances due against $10.3M.
$2.3M total interest income against $2.1M; $743K total interest expense against $666K.
$1.6M net interest income against $1.4M.
$168K total noninterest income against $155K; $1.0M total noninterest expense against $888K.
$62K provision for credit losses against $12K.
$676K net income against $667K.
1.69% return on assets against 1.88%; 4.11% net interest margin against 4.09%.
11.00% CET1 capital ratio against 11.68%; 8.26% tier 1 leverage ratio against 8.53%.
Inside the full Auburn Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAuburn Banking Company rankings
Its closest position to the top of a national ranking is 918 of 3,611, for ROA; its furthest is 1,956 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q4 2025) to 1.88% (Q2 2025) and its net interest margin ran from 3.94% (Q1 2025) to 4.21% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.00% | 1.69% | 0.65% | 6.58% | 4.11% |
| Q1 2026 | 11.56% | 1.63% | 0.31% | 2.92% | 4.04% |
| Q4 2025 | 11.63% | 1.00% | 0.40% | 3.81% | 4.21% |
| Q3 2025 | 11.63% | 1.75% | 0.46% | 4.54% | 4.20% |
| Q2 2025 | 11.68% | 1.88% | 0.15% | 1.52% | 4.09% |
| Q1 2025 | 11.81% | 1.62% | 0.15% | 1.53% | 3.94% |
| Q4 2024 | 11.43% | 1.71% | 0.08% | 1.13% | 3.99% |
| Q3 2024 | 9.92% | 1.86% | 0.34% | 3.61% | 4.04% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Auburn Banking Company (main office) | Auburn , KY | 42206 | $71.7M |
| Russellville Branch | Russellville , KY | 42276 | $57.8M |
| Auburn Banking Company Branch | Hopkinsville , KY | 42240 | $20.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KY, rank 109 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Auburn Banking Company
What are Auburn Banking Company's total assets?
As of the Q2 2026 filing, Auburn Banking Company reported total assets of $164.3 million in its FFIEC call report.
Where is Auburn Banking Company headquartered?
It is headquartered in Auburn, KY, United States.
When was Auburn Banking Company founded?
It was established in 1929, per the FDIC institution directory.
Is Auburn Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Auburn Banking Company?
Auburn Banking Company's primary federal regulator is the FDIC.
What is Auburn Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does Auburn Banking Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Auburn Banking Company's Texas Ratio?
Its Texas Ratio is 6.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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