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Auburn National Bancorporation
Auburn National Bancorporation (AUBN) investor relations material
Auburn National Bancorporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $1.7 million ($0.48 per share), down from $2.2 million in Q3 2025 but up from $1.6 million in Q4 2024; full year 2025 net earnings were $7.3 million ($2.08 per share), a 14% increase year-over-year.
Total revenue for 2025 increased by $2.2 million (7%) year-over-year, with record net interest income of $29.7 million.
Asset quality, capital, and liquidity remain strong, with improved outlook for loan growth in 2026 and ongoing digital banking initiatives.
Financial highlights
Net interest margin (tax-equivalent) improved to 3.27% for 2025, up 21 basis points year-over-year; Q4 2025 margin was 3.32%.
Noninterest income was $0.8 million in Q4 2025, stable compared to prior quarters.
Noninterest expense rose 3.5% for the year; Q4 2025 expense was $5.6 million, down from Q3 2025 but up from Q4 2024.
Provision for credit losses increased by $0.6 million for the year, with $783 thousand in Q4 2025 due to two loan relationships.
Net charge-offs in Q4 2025 were $304 thousand (0.22% of average loans, annualized).
Outlook and guidance
Improved outlook for loan growth in 2026, supported by strong asset quality and capital position.
Continued progress on digital banking initiatives expected to enhance operational efficiency.
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Next Auburn National Bancorporation earnings date
Q1 202621 Apr, 2026
Auburn National Bancorporation
Next Auburn National Bancorporation earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Auburn National Bancorporation Inc. is the bank holding company for AuburnBank, which provides a range of financial services to individuals and businesses. The company offers personal and business banking products, including checking and savings accounts, personal and commercial loans, mortgages, and credit services. AuburnBank also provides services in wealth management, including investment advisory and retirement planning solutions to support clients’ financial goals. Operating primarily in East Alabama, Auburn National Bancorporation serves its community through branch locations and digital banking options. The company is headquartered in Auburn, Alabama, and its shares are listed on the NASDAQ.
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