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Auburn National Bancorporation (AUBN) investor relations material
Auburn National Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net earnings for the first six months of 2025 were $3.4 million ($0.96 per share), up from $3.1 million ($0.89) year-over-year; Q2 2025 net earnings were $1.8 million ($0.52 per share), up from $1.7 million ($0.50) in Q2 2024.
Net interest income increased 8% year-over-year to $14.4 million for the first half of 2025, with Q2 2025 at $7.4 million, up from $6.7 million in Q2 2024.
Noninterest income declined to $1.5 million for the first half, mainly due to lower mortgage lending, but was $0.8 million in Q2 2025, down from $0.9 million in Q2 2024.
Noninterest expense rose to $11.6 million for the first half, primarily from higher salaries and benefits, but decreased 3% sequentially in Q2 2025.
Management highlighted strong credit quality and improved net interest margin despite slower loan demand.
Financial highlights
Net interest margin (tax-equivalent) improved to 3.24% for the first six months and 3.27% in Q2 2025, up from 3.05% and 3.06% year-over-year.
Allowance for credit losses was $7.0 million (1.24% of total loans) at June 30, 2025.
Total loans were $562.7 million at June 30, 2025, slightly down from $564.0 million at December 31, 2024.
Total deposits increased 5% to $939.9 million at June 30, 2025, with noninterest-bearing deposits comprising 30%.
Book value per share rose to $24.64 at June 30, 2025, from $21.53 a year earlier.
Outlook and guidance
Management expects continued competitive deposit pricing and a challenging rate environment for the remainder of 2025.
Asset-liability management strategies will focus on managing deposit costs and repricing assets to support net interest margin.
Capital and liquidity remain strong, positioning the company to meet customer needs and support growth.
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