Auburnbank: 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: 3581.71 percentage points higher than in Q1 2026, at 10290.62%. Auburnbank ranks 63rd of 93 Alabama banks on return on assets, in the lower half at 0.91% (Q2 2026). Auburnbank reported 0.91% on return on assets for Q2 2026, 0.37 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.26% |
| Tier 1 risk-based capital ratio | 16.26% |
| Total risk-based capital ratio | 17.24% |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 8.38% |
| Tangible equity to tangible assets | 8.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.07% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 10290.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 10.41% |
| Net interest margin | 3.33% |
| Efficiency ratio | 67.84% |
| Yield on earning assets | 4.44% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.59% |
| Core deposits to total deposits | 91.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.29% |
| Securities to assets | 20.35% |
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 | 15.01% | 15.01% | 15.98% | 10.26% | 0.58% |
| Q4 2023 | 14.52% | 14.52% | 15.52% | 9.72% | -1.47% |
| Q1 2024 | 14.62% | 14.62% | 15.69% | 10.34% | 0.57% |
| Q2 2024 | 14.47% | 14.47% | 15.49% | 10.39% | 0.71% |
| Q3 2024 | 14.75% | 14.75% | 15.76% | 10.43% | 0.71% |
| Q4 2024 | 14.80% | 14.80% | 15.81% | 10.49% | 0.63% |
| Q1 2025 | 15.04% | 15.04% | 16.05% | 10.52% | 0.62% |
| Q2 2025 | 15.32% | 15.32% | 16.35% | 10.64% | 0.75% |
| Q3 2025 | 15.51% | 15.51% | 16.49% | 10.72% | 0.89% |
| Q4 2025 | 16.06% | 16.06% | 17.14% | 10.71% | 0.66% |
| Q1 2026 | 16.07% | 16.07% | 17.08% | 10.57% | 0.86% |
| Q2 2026 | 16.26% | 16.26% | 17.24% | 10.65% | 0.91% |
Auburnbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburnbank, 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 Auburnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35) · FFIEC NIC profile (RSSD 749635)