AUBURN NATIONAL BANCORPORATION, INC

Listed Company

AUBNCIK 0000750574NasdaqNon-AcceleratedSmaller ReportingState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$7.25M

Total Assets

$1.02B

Equity

$92.05M

Shares Out

3.49M

Op. Cash Flow

$12.35M

AUBN$26.60−1.30% · past yearDBEQ Basic

Daily closing prices

Business

Auburn National Bancorporation, Inc. is a bank holding company that operates AuburnBank, an Alabama state member bank established in 1907. The Bank offers checking, savings, transaction deposit accounts, certificates of deposit, residential mortgages, commercial loans, agricultural loans, real estate construction loans, and consumer loan products primarily in East Alabama including Lee County. The Bank operates a main office and seven branches in Auburn, Opelika, Notasulga, and Valley, Alabama, plus a loan production office in Phenix City, and competes in a highly competitive market against national, regional, and community banks, credit unions, and alternative financial service providers.

Summary from 10-K filed 2026-03-17

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	31	30	25	20	20
Securities - Taxable	5	5	7	7	4
Securities - Tax-exempt	273,000	294,000	2	2	2
Federal funds sold and interest bearing bank deposits	5	3	673,000	1	155,000
Total interest income	41	39	34	30	27
Deposits	11	12	8	2	3
Short-term borrowings	2,000	3,000	72,000	60,000	17,000
Total interest expense	11	12	8	2	3
Net interest income	30	27	26	27	24
Provision for credit losses	631,000	36,000	135,000	1	—
Net interest income after provision for credit losses	29	27	26	26	25
Service charge on deposit accounts	619,000	614,000	603,000	598,000	566,000
Mortgage lending	474,000	608,000	430,000	650,000	2
Bank-owned life insurance income	414,000	403,000	411,000	317,000	403,000
Other noninterest income	2	2	2	2	2
Total noninterest income	3	3	−3	7	4
Salaries and benefits	13	13	12	12	12
Net occupancy and equipment	2	3	3	3	2
Professional fees	1	1	1	975,000	995,000
FDIC and other regulatory assessments	569,000	564,000	631,000	404,000	426,000
Other noninterest expense	6	5	6	5	5
Total noninterest expense	23	22	23	20	19
Earnings before income taxes	9	8	618,000	13	9
Income tax expense	2	2	−777,000	3	1
Net earnings	7	6	1	10	8
Earnings per share Basic	2.08	1.83	0.4	2.95	2.27
Earnings Per Share Diluted	2.08	1.83	—	—	—
Weighted Average Number Of Shares Outstanding Basic	3	3	3	4	4
Weighted Average Number Of Diluted Shares Outstanding	3	3	—	—	—

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash And Due From Banks	22	15	27	12	11
Federal funds sold	21	37	31	9	77
Interest bearing bank deposits	104	41	13	6	68
Cash and cash equivalents	148	93	71	27	156
Securities available-for-sale	233	243	271	405	422
Loans held for sale	172,000	0	—	0	1
Total Loans, net	565	564	—	—	—
Allowance for credit losses	7	7	7	6	−5
Loans, net	558	557	550	499	—
Premises and equipment, net	46	46	46	47	42
Bank-owned life insurance	18	18	17	20	20
Other assets	16	20	20	26	11
Total assets	1,019	977	975	1,024	1,105
Noninterest-bearing	268	261	271	311	316
Interest-bearing	655	635	626	639	678
Total deposits	923	896	896	950	994
Accrued expenses and other liabilities	4	3	1	3	4
Total liabilities	927	899	899	956	1,001
Preferred stock	0	0	0	0	0
Common stock	39,000	39,000	39,000	39,000	39,000
Additional paid-in capital	4	4	4	4	4
Retained earnings	119	116	113	117	110
Accumulated other comprehensive income (loss), net	−19	−30	−29	−41	891,000
Less treasury stock, at cost	12	12	12	−11	—
Total stockholders' equity	92	78	77	68	104
Total liabilities and stockholders' equity	1,019	977	975	1,024	1,105

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	2	2	2	2	1
Premium amortization and discount accretion, net	−1	−2	−2	3	4
Deferred income tax (benefit) expense	−129,000	438,000	−195,000	686,000	278,000
Net gain on sale of loans held for sale	154,000	261,000	71,000	−309,000	−1
Loans originated for sale	7	10	4	−9	−48
Proceeds from sale of loans	7	11	4	10	51
Increase in cash surrender value of bank owned life insurance	414,000	403,000	359,000	−317,000	−403,000
Stock-based Compensation expense	62,000	0	—	—	—
Net increase in other assets	−995,000	1	−3	−2	1
Net increase (decrease) in accrued expenses and other liabilities	682,000	2	−2	−770,000	−3
Net cash provided by operating activities	12	11	12	11	12
Proceeds from prepayments and maturities of securities available-for-sale	22	26	30	46	74
Decrease (increase) in loans, net	2	7	53	−46	3
Payments to Acquire Property, Plant, and Equipment	1	2	418,000	−7	−20
Decrease in FHLB stock	0	−32,000	164,000	−74,000	267,000
Net cash used in investing activities	19	17	91	−91	−119
Net (decrease) increase in noninterest-bearing deposits	7	−10	−41	−5	71
Net increase (decrease) in interest-bearing deposits	20	9	−13	−39	84
Net decrease in federal funds purchased and securities sold under agreements to repurchase	0	−1	−1	−897,000	1
Payments of Ordinary Dividends	4	4	4	−4	−4
Net cash used in financing activities	23	−6	−59	−49	150
Net change in cash and cash equivalents	54	22	44	−129	44
Interest	11	12	8	2	3
Income taxes	676,000	1	1	1	3

Filings

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Frequently asked questions

What is AUBURN NATIONAL BANCORPORATION, INC's CIK number?

AUBURN NATIONAL BANCORPORATION, INC's SEC CIK number is 0000750574 (750574). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find AUBURN NATIONAL BANCORPORATION, INC's SEC filings?

All of AUBURN NATIONAL BANCORPORATION, INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did AUBURN NATIONAL BANCORPORATION, INC last report earnings?

AUBURN NATIONAL BANCORPORATION, INC (AUBN) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-184446). This is AUBURN NATIONAL BANCORPORATION, INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is AUBURN NATIONAL BANCORPORATION, INC's most recent earnings 8-K?

AUBURN NATIONAL BANCORPORATION, INC's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001193125-26-184446. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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