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Auburn National Bancorporation (AUBN) investor relations material
Auburn National Bancorporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net earnings for the first nine months of 2025 rose 16% year-over-year to $5.6 million, with EPS at $1.60, up from $1.38 in 2024.
Third quarter 2025 net earnings were $2.2 million ($0.64 per share), up from $1.7 million ($0.50 per share) in Q3 2024 and $1.8 million ($0.52 per share) in Q2 2025.
Return on assets (annualized) improved to 0.89% from 0.71% in Q3 2024; return on equity rose to 10.65% from 9.10% year-over-year.
Digital initiatives advanced with the rollout of online account opening for select deposit products.
Financial highlights
Net interest income (tax-equivalent) increased 11% year-over-year to $7.6 million in Q3 2025 and 9% to $22.0 million for the nine months, driven by higher net interest margin and average interest-earning assets.
Net interest margin (tax-equivalent) improved to 3.26% for the nine months and 3.30% for Q3 2025, up from 3.05% in 2024.
Noninterest income was $2.4 million for the nine months and $0.8 million for Q3 2025, with declines mainly due to lower mortgage lending and other noninterest income.
Noninterest expense increased to $17.4 million for the nine months and $5.8 million for Q3 2025, primarily from higher salaries, benefits, and other expenses.
Book value per share rose to $25.65 at September 30, 2025, from $24.14 a year earlier.
Outlook and guidance
Management expects a challenging rate environment for the remainder of 2025, with deposit and loan pricing remaining competitive.
Net interest margin performance will depend on managing deposit costs and repricing assets.
Liquidity and capital positions are considered strong, with adequate sources to meet obligations and commitments.
Ongoing focus on credit quality, net interest margin improvement, and digital banking expansion.
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Next Auburn National Bancorporation earnings date
Q4 202527 Jan, 2026
Next Auburn National Bancorporation earnings date
Q4 202527 Jan, 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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