Auburn State Bank
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Data as of · sourced from FFIEC call reports. How we update
Auburn State Bank is an FDIC-insured commercial bank headquartered in Auburn, NE, established in 1905 (FDIC certificate 11477), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $251.3M, down 3.0% from Q2 2025, the 68th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11477
- Headquarters
- Auburn, NE
- Established
- 1905
- Total assets, Q2 2026
- $251.3M
- Assets vs Q2 2025
- -3.0%
- Tier 1 leverage ratio, Q2 2026
- 15.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104900938
- Asset rank in state
- 68th of 138 in Nebraska
Auburn State Bank, based in Auburn, Nebraska, reported $251 million in assets at June 30, 2026, down 3.0% from a year earlier. It keeps 2.88 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 26% of Tier 1 capital, down from 39% a year earlier. The balance sheet shrank over the year: over the year loans fell 1.2% and deposits fell 5.7%.
As of June 30, 2026, Auburn State Bank reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Auburn State Bank is the 68th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $251.3M, loans fell 1.0% and deposits fell 0.4%. Farmland and other real estate loans made up 41.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.0%. Its one office in the FDIC Summary of Deposits is in Auburn, NE. On its Q2 2026 call report, Auburn State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1212 J St, Auburn, NE 68305
- County
- Nemaha
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $216.9M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $260.9M
- Average total loans
- $110.7M
- Average interest-bearing deposits
- $184.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11477
- Fed RSSD
- 979151
- Website
- www.auburnstatebank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Auburn State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Auburn State Bank's total assets ran between $240.1M (Q3 2023) and $259.8M (Q3 2025), 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
$251.3M total assets against $259.1M; $220.0M total liabilities against $233.0M.
$108.1M net loans and leases against $109.5M; $216.9M total deposits against $230.0M.
$106.7M securities against $114.0M; $22.9M cash and balances due against $22.2M.
$2.6M total interest income against $2.7M; $895K total interest expense against $1.0M.
$1.7M net interest income against $1.7M.
$148K total noninterest income against $87K; $913K total noninterest expense against $871K.
No provision recorded in the last 12 quarters.
$775K net income against $704K.
1.19% return on assets against 1.04%; 2.88% net interest margin against 2.67%.
15.07% tier 1 leverage ratio against 13.97%.
Inside the full Auburn State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAuburn State Bank rankings
Its closest position to the top of a national ranking is 531 of 3,606, for efficiency ratio; its furthest is 3,507 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.23% (Q4 2024) to 1.19% (Q2 2026) and its net interest margin ran from 2.43% (Q3 2024) to 2.88% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 1.19% | 0.00% | 0.00% | 2.88% |
| Q1 2026 | 14.44% | 1.09% | 0.00% | 0.00% | 2.65% |
| Q4 2025 | 14.65% | 1.04% | 0.00% | 0.00% | 2.74% |
| Q3 2025 | 14.29% | 0.99% | 0.00% | 0.00% | 2.65% |
| Q2 2025 | 13.97% | 1.04% | 0.00% | 0.00% | 2.67% |
| Q1 2025 | 13.87% | 0.77% | 0.00% | 0.00% | 2.53% |
| Q4 2024 | 14.79% | 0.23% | 0.00% | 0.00% | 2.58% |
| Q3 2024 | 14.92% | 0.86% | 0.00% | 0.00% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Auburn , NE | 68305 | $216.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 16, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2015 | Structure Change | Acquired The Carson National Bank of Auburn Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 75 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $76K approved, $76K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 State Bank
What are Auburn State Bank's total assets?
As of the Q2 2026 filing, Auburn State Bank reported total assets of $251.3 million in its FFIEC call report.
Where is Auburn State Bank headquartered?
It is headquartered in Auburn, NE, United States.
When was Auburn State Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Auburn State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Auburn State Bank?
Auburn State Bank's primary federal regulator is the Federal Reserve.
How many branches does Auburn State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Auburn State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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