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Investor Relations14 Oct 2025
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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.Q2 2025 earnings summary22 Jul, 2025
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.
Explain the decrease in deposits from June 2024.
Why did professional fees expense increase?
Project the net interest margin for 3Q 2025.
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Next Auburn National Bancorporation earnings date
Q3 202521 Oct, 2025
Next Auburn National Bancorporation earnings date
Q3 202521 Oct, 2025
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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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