Auburn Savings Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Auburn Savings Bank, FSB is an FDIC-insured savings institution headquartered in Auburn, ME, established in 1887 (FDIC certificate 28288), and it is supervised by the OCC. At Q2 2026 it reported total assets of $103.2M, up 0.5% from Q2 2025, the 20th largest of 22 banks headquartered in Maine. Its CET1 capital ratio was 11.93% at Q2 2026, above regulatory requirements.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28288
- Headquarters
- Auburn, ME
- Established
- 1887
- Total assets, Q2 2026
- $103.2M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 11.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 211273749
- Latest call report
- Q2 2026, FFIEC 051 · Auburn Savings Bank, FSB call report
- Holding company
- AUBURN BANCORP, INC.
- Asset rank in state
- 20th of 22 in Maine
Auburn Savings Bank, FSB spends more to run itself than most banks of its size. Based in Auburn, Maine, it had $103 million in assets at June 30, 2026. It earns about $0.34 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 28% from a year earlier, to $91,000. Over the same year, loans grew 3.7% and deposits shrank 0.7%. Where it has less room is capital: it funds 8.09% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Auburn Savings Bank, FSB reported a CET1 capital ratio of 11.93%, a return on assets of 0.34%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Auburn Savings Bank, FSB is the 20th largest of the 22 banks headquartered in Maine. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $103.2M, loans rose 1.9% and deposits rose 3.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 72.2% of total loans, ahead of owner-occupied commercial real estate loans at 6.4%. The FDIC Summary of Deposits lists 2 offices for it, in Auburn, ME and Lewiston, ME; its Auburn office books 77% of its branch deposits. Judged on its Q2 2026 call report, Auburn Savings Bank, FSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 256 Court St, Auburn, ME 04210
- County
- Androscoggin
- Metro Area
- Lewiston-Auburn, ME
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $75.9M
- Allowance for credit losses
- $809K
- Net charge-offs (YTD)
- $0
- Average total assets
- $105.6M
- Average total loans
- $81.4M
- Average interest-bearing deposits
- $66.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28288
- Fed RSSD
- 229173
- SEC CIK
- 1437910 → filed by AUBURN BANCORP, MHC
- Website
- www.auburnsavings.com →
- Parent Holding Company
- AUBURN BANCORP, INC. (RSSD 3792409)
- Ultimate Parent
- AUBURN BANCORP, MHC (RSSD 3799369)
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
Over the 12 quarters to Q2 2026, Auburn Savings Bank, FSB's total assets ran between $101.1M (Q1 2025) and $105.4M (Q4 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$103.2M total assets against $102.7M; $96.3M total liabilities against $96.5M.
$84.7M net loans and leases against $81.6M; $75.9M total deposits against $76.5M.
$11.7M securities against $12.7M; $2.6M cash and balances due against $4.2M.
$1.4M total interest income against $1.3M; $596K total interest expense against $609K.
$760K net interest income against $670K.
$92K total noninterest income against $90K; $738K total noninterest expense against $670K.
$0 provision for credit losses against $0.
$91K net income against $71K.
0.34% return on assets against 0.28%; 3.04% net interest margin against 2.78%.
11.93% CET1 capital ratio against 11.99%; 8.09% tier 1 leverage ratio against 7.97%.
Inside the full Auburn Savings Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Auburn Savings Bank, FSB rankings
Its closest position to the top of a national ranking is 1,732 of 2,134, for CET1 ratio; its furthest is 3,407 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.14% (Q4 2024) to 0.49% (Q3 2025) and its net interest margin ran from 2.44% (Q4 2024) to 3.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.93% | 0.34% | 0.02% | 0.27% | 3.04% |
| Q1 2026 | 12.49% | 0.25% | 0.03% | 0.28% | 2.95% |
| Q4 2025 | 12.43% | 0.41% | 0.00% | 0.00% | 3.02% |
| Q3 2025 | 12.40% | 0.49% | 0.12% | 1.33% | 2.98% |
| Q2 2025 | 11.99% | 0.28% | 0.12% | 1.40% | 2.78% |
| Q1 2025 | 12.17% | 0.22% | 0.00% | 0.01% | 2.76% |
| Q4 2024 | 11.83% | -0.14% | 0.16% | 2.05% | 2.44% |
| Q3 2024 | 12.13% | 0.05% | 0.17% | 3.75% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Savings Bank, FSB (main office) | Auburn , ME | 04210 | $58.4M |
| Lewiston Branch | Lewiston , ME | 04240 | $17.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 28, 2012, OCC: Formal Agreement: Auburn Savings Bank, FSB
- Period: Most recent institution action February 28, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in ME, rank 25 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 88 applications, 62 loans originated, $17.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $850K approved, $850K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Savings Bank, FSB
What are Auburn Savings Bank, FSB's total assets?
As of the Q2 2026 filing, Auburn Savings Bank, FSB reported total assets of $103.2 million in its FFIEC call report.
Where is Auburn Savings Bank, FSB headquartered?
It is headquartered in Auburn, ME, United States.
When was Auburn Savings Bank, FSB founded?
It was established in 1887, per the FDIC institution directory.
Is Auburn Savings Bank, FSB FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28288). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Auburn Savings Bank, FSB?
Auburn Savings Bank, FSB's primary federal regulator is the OCC.
What is Auburn Savings Bank, FSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.93% in its Q2 2026 call report, above regulatory requirements.
How many branches does Auburn Savings Bank, FSB operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Auburn Savings Bank, FSB's Texas Ratio?
Its Texas Ratio is 0.27% 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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