Auburn Banking Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 48.16 percentage points higher than in Q1 2026, at 716.54%. Auburn Banking Company ranks 33rd of 119 Kentucky banks on return on assets, in the upper half at 1.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Auburn Banking Company sits 0.44 points higher, at 1.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.00% |
| Tier 1 risk-based capital ratio | 11.00% |
| Total risk-based capital ratio | 11.80% |
| Tier 1 leverage ratio | 8.26% |
| Equity capital to assets | 6.93% |
| Tangible equity to tangible assets | 6.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 7.18% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 716.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 23.76% |
| Net interest margin | 4.11% |
| Efficiency ratio | 57.83% |
| Yield on earning assets | 6.04% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.01% |
| Core deposits to total deposits | 79.52% |
| Brokered deposits to total deposits | 1.00% |
| Deposits to assets | 91.19% |
| Securities to assets | 12.40% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 11.41% | 8.26% | 1.63% |
| Q4 2023 | 10.98% | 10.98% | 11.67% | 8.30% | 1.36% |
| Q1 2024 | 11.01% | 11.01% | 11.77% | 8.07% | 1.47% |
| Q2 2024 | 10.59% | 10.59% | 11.36% | 8.10% | 1.77% |
| Q3 2024 | 9.92% | 9.92% | 10.63% | 8.11% | 1.86% |
| Q4 2024 | 11.43% | 11.43% | 12.18% | 8.49% | 1.71% |
| Q1 2025 | 11.81% | 11.81% | 12.56% | 8.68% | 1.62% |
| Q2 2025 | 11.68% | 11.68% | 12.43% | 8.53% | 1.88% |
| Q3 2025 | 11.63% | 11.63% | 12.39% | 8.76% | 1.75% |
| Q4 2025 | 11.63% | 11.63% | 12.44% | 8.58% | 1.00% |
| Q1 2026 | 11.56% | 11.56% | 12.37% | 8.52% | 1.63% |
| Q2 2026 | 11.00% | 11.00% | 11.80% | 8.26% | 1.69% |
Auburn Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Banking Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Auburn Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 284) · FFIEC NIC profile (RSSD 811541)