Auburnbank
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Data as of · sourced from FFIEC call reports. How we update
Auburnbank is an FDIC-insured commercial bank headquartered in Auburn, AL, established in 1907 (FDIC certificate 35), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.09B, up 5.5% from Q2 2025, the 16th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 16.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35
- Headquarters
- Auburn, AL
- Established
- 1907
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 16.26%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 062202574
- Holding company
- AUBURN NATIONAL BANCORPORATION, INC.
- Asset rank in state
- 16th of 93 in Alabama
Auburnbank, based in Auburn, Alabama, reported $1.1 billion in assets at June 30, 2026, up 5.5% from a year earlier. It pays an average of 1.15% on its deposits and borrowings, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $2.4 million. Unrealized losses on its securities total $27 million, equal to 24% of Tier 1 capital, against 29% a year earlier. Profitability lags: it earns about $0.91 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Auburnbank reported a CET1 capital ratio of 16.26%, a return on assets of 0.91%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Auburnbank is the 16th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 5.7% to $1.09B, loans fell 0.3% and deposits rose 6.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.6% of total loans, ahead of 1-4 family residential loans at 20.0%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in AL; its Auburn 3 offices book 75% of its branch deposits. On its Q2 2026 call report, Auburnbank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N Gay St, Auburn, AL 36830
- County
- Lee
- Metro Area
- Auburn-Opelika, AL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1907
- Former names
- Auburn National Bank of Auburn (1964-1995)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 139
- Domestic deposits
- $990.5M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $381K
- Average total assets
- $1.04B
- Average total loans
- $582.6M
- Average interest-bearing deposits
- $671.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 35
- Fed RSSD
- 749635
- SEC CIK
- 750574 → filed by AUBURN NATIONAL BANCORPORATION, INC.
- Website
- www.auburnbank.com →
- Parent Holding Company
- AUBURN NATIONAL BANCORPORATION, INC. (RSSD 1129533) · AUBN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David A Hedges | CEO | President\CEO |
| Robert W Dumas | CHR | Chairman |
| Walker William James Iv | CFO | SVP/CFO |
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
From Q3 2023 to Q2 2026, Auburnbank's total assets ranged from $976.9M (Q4 2024) to $1.09B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.09B total assets against $1.03B; $994.1M total liabilities against $944.0M.
$573.7M net loans and leases against $555.9M; $990.5M total deposits against $940.7M.
$220.7M securities against $239.7M; $211.4M cash and balances due against $152.2M.
$10.6M total interest income against $10.1M; $2.7M total interest expense against $2.8M.
$7.9M net interest income against $7.4M.
$862K total noninterest income against $771K; $6.0M total noninterest expense against $5.6M.
-$247K provision for credit losses against $113K.
$2.4M net income against $1.9M.
0.91% return on assets against 0.75%; 3.33% net interest margin against 3.17%.
16.26% CET1 capital ratio against 15.32%; 10.65% tier 1 leverage ratio against 10.64%.
Inside the full Auburnbank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Auburnbank rankings
Its closest position to the top of a national ranking is 958 of 4,196, for total assets; its furthest is 3,268 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.62% (Q1 2025) to 0.91% (Q2 2026) and its net interest margin ran from 2.96% (Q3 2024) to 3.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.26% | 0.91% | 0.01% | 0.07% | 3.33% |
| Q1 2026 | 16.07% | 0.86% | 0.05% | 0.32% | 3.24% |
| Q4 2025 | 16.06% | 0.66% | 0.09% | 0.53% | 3.28% |
| Q3 2025 | 15.51% | 0.89% | 0.02% | 0.11% | 3.24% |
| Q2 2025 | 15.32% | 0.75% | 0.05% | 0.33% | 3.17% |
| Q1 2025 | 15.04% | 0.62% | 0.11% | 0.68% | 3.05% |
| Q4 2024 | 14.80% | 0.63% | 0.09% | 0.60% | 3.03% |
| Q3 2024 | 14.75% | 0.71% | 0.14% | 0.86% | 2.96% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Auburnbank (main office) | Auburn , AL | 36830 | $585.2M |
| Opelika Branch | Opelika , AL | 36801 | $101.9M |
| Bentcreek Branch | Auburn , AL | 36830 | $91.5M |
| Frederick Road | Opelika , AL | 36801 | $70.6M |
| South Donahue Branch | Auburn , AL | 36832 | $63.6M |
| Valley Branch | Valley , AL | 36854 | $58.6M |
| Notasulga Branch | Notasulga , AL | 36866 | $19.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 25, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in AL, rank 28 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 144 applications, 110 loans originated, $20.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 Auburnbank
What are Auburnbank's total assets?
As of the Q2 2026 filing, Auburnbank reported total assets of $1.09 billion in its FFIEC call report.
Where is Auburnbank headquartered?
It is headquartered in Auburn, AL, United States.
When was Auburnbank founded?
It was established in 1907, per the FDIC institution directory.
Is Auburnbank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Auburnbank?
Auburnbank's primary federal regulator is the Federal Reserve.
What is Auburnbank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Auburnbank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Auburnbank's Texas Ratio?
Its Texas Ratio is 0.07% 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.
What was Auburnbank previously called?
The charter now named Auburnbank has also operated as Auburn National Bank of Auburn (1964-1995), per FDIC structure-change records.
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