# AUBURNBANK
AUBURN, AL · FDIC certificate 35 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.09B | |
| Deposits | $990.5M | |
| Loans and leases | $580.3M | |
| Total equity | $90.9M | |
| Loans / deposits | 57.92% (p7 of band) | 87.10% |
| Liquid assets / assets | 39.83% (p89 of band) | |
| Uninsured deposits / deposits | 38.41% (p69 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p14 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.65% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -29.37% (p10 of band) | -7.75% |
| AOCI / equity | -0.66% (p28 of band) | |
| ROA (annualized) | 0.88% (p23 of band) | 1.26% |
| Net interest margin | 3.31% (p27 of band) | 3.70% |
| Efficiency ratio | 68.21% (p75 of band) | |
| Noncurrent loans | 0.01% (p5 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p70 of band) | |
| Reserve coverage of noncurrent | 10290.62% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 64.09% (p66 of band) | |
| Auto loans | $1.1M (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 139 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 4 | construction >100% equity, assets shrinking |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 | construction >100% equity | assets shrinking, deposits shrinking |
| 2023-12 | 2 | deposits shrinking | construction >100% equity |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 2 | construction >100% equity |  |
| 2024-09 | 2 | deposits shrinking | construction >100% equity |
| 2024-12 | 2 | construction >100% equity | deposits shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 0 |  | securities losses >30% of equity |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [Auburn National Expands Board, Elects Jeff Evans Director - The Globe and Mail](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPaG16ckZiaVJXUjQtQUM4TE93bHFnRm9aeXRyVUExVjRiZlJESFYwOU1ia1hUekJrZlVQdGExNDNDdGlLRWhOS2tGdFdabVhQM1kyUkVoUWxzSEttXzdYZGhvXzRncF9Nb3BaWVRzUFJLN0tmM000bGVjYnBNVVVRUGFRY2E1M2FqS3RhZnVzNFphZ0pyeG1ORUNHQTNjUjBydGhPTlZXcmRJaUFMdUJKSzBpOFZaVklxcURic2FscVRtTXcyZ0VxT1hmSHBTOEF5Vy1hVklMWllMQ1U?oc=5) · The Globe and Mail
- 2026-03-26 [Auburn National Bancorporation, Inc. Elects New Director - GlobeNewswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxPcDFjUTRSRHhuUmFwZl9aU3FnY20wMHZEb0REY2VPdnNYNlRSSjhScU9LVkoxSEFjQ001RjVQRG5rek5NLWdMRE1RQXlsdDl0LUN1OUVjS1pyazk0NmtlODlmZ0lIazhZOXhGV0lmZXBjaF9ySmktczc0dkVUcldac1g3S3dwZWEwd09NN20yWlVfZ0VRakhXVDdPMjRSQXl3UmV5SnVVejlfeTl3MDZNUTVYM3gtQkRNaG55bGRua2gzZGVvZWpNenNn?oc=5) · GlobeNewswire
- 2025-05-19 [Alabama’s community banks promote hometown connections, friendly service - Business Alabama Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPR1R6bG5ub3JQOXpGRV9sb0NMd0ZXRUc0V08zVHBINmZ5NVp5ZzBVRHZNZ1U1TG1yMnJMYlcyZTVfa1gtdEw3UU5BcThwM3JEUlVUNl9FTk1WdWF3Q0NDQmdHaW9jV245enotMUxCVDIzRVBpbDNxR0Y5bDlxRlVDdW5JZTJqQlVkRHk3TEFjdDJUc21DY2FheEN2eXBwVjls?oc=5) · Business Alabama Magazine
- 2026-08-11 [Auburn National Bancorporation, Inc. Declares Quarterly Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxPUUVnaWdJcGs0a2NsMjVFalU4Vkw1R2UtUS04Z2E4VFVWZFFlc0tWU2RSeDJMeGNjT3dhbkxZc192ejZhbS1YQUVfaHZZTERYRjIxdUJiTGoxY1ZTVk1UdUhyc0xCWDhXNUstb25UTll1X0tvemhkOGNSSjhtc2J2cVBpZkEwQ2FBbmtGZXpKYTB1VnBQdE96U2hLeVRfUnhiM2Vza3dzU1B1TEplMEtNWmd5S3ZoY1dQRExyMmJQdWJUSExFSlhMRFFsVzNvS1E?oc=5) · GlobeNewswire
- 2023-10-12 [Edward Spencer Obituary (1930 - 2023) - Auburn, AL - The Opelika-Auburn News - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQY25nRXllRmV5amZid2lJNlNfMk9OM1phV3B6TmpxUU5NNnNieGxBNUZCOUFFdmd3Y0hFdHhYU3hyYTFMZXY2N19iclQ0R2xQVjZZdFQ3cmZsNkhzeFNYeTZkT05tT0VOeHhBOXZYbnRfUEE5SnU4TzN0Wm14MlNRT2t6d0RVTFVrQ1VB?oc=5) · legacy.com
- 2026-05-12 [Auburn National Bancorporation, Inc. Declares Quarterly Dividend - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOejNMWU9vNzVoX1hVUkQwRW9vT3d1Qm5FaW55V3BDNkU4Ti1ORERVWUN2M2pZTEtpT1FoS3pVeV8tR205bWVHX1RiOFlmT2NiX05fUEd6T3MxV0ZEN0FBU3BwSTE1dmoyelJrS0xhUDl4UGlJTXdvd3h3V3FHV0NnUGVCSzNFNjVGS0N4TkRjWi03OEh2WnpzeTdwOGNJcERuUlJmVmFfRVJsRGVjYlBxQTRWWW1oZ3AycWJNbGphaG4wZ19BUHotemQ1dkNRNUU?oc=5) · GlobeNewswire
- 2019-04-25 [How Community Banks Balance Local Ties and New Technology - Business Alabama Magazine](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdGNMa25kM3EzTzlUTnRrUUxfMGZEcGI4MktiVU53Nno5VjVySVgtbXNBS3dtNjJpUmZoLXo2bFhQNWJPaWF4d0E1R2xfa2h5bE9BVDdtMUp5bXVwU2EwaklxNEhXTktKbVR6Rm5wWFJzX2U5dTRWakg5dmtzMkFtRG5zS3VOc2tKOVE?oc=5) · Business Alabama Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "35", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide