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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
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.
Outlook on credit quality given specific loan issues?
What drives the improved 2026 loan growth outlook?
Why the significant increase in reciprocal deposits?
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Latest events from Auburn National Bancorporation
- Annual meeting to vote on directors, compensation, auditor, and officer liability amendment.AUBN
Proxy Filing2 Dec 2025 - Annual meeting to vote on directors, executive pay, auditor, and officer liability amendment.AUBNProxy Filing2 Dec 2025
- Earnings and margins rose, with strong capital and credit quality amid a competitive environment.AUBNQ3 202512 Nov 2025
- Q2 earnings rose to $1.7M with strong loan growth, but margin pressure remains.AUBNQ2 202422 Oct 2025
- Earnings and margins improved, with strong credit quality, higher book value, and robust liquidity.AUBNQ2 202512 Aug 2025
- Earnings fell year-over-year, but Q3 margin and book value per share improved.AUBNQ3 202413 Jun 2025
- Earnings and margins rose, capital strengthened, and credit quality remained robust.AUBNQ1 20256 Jun 2025
- Q4 2024 saw strong earnings growth, margin expansion, and robust asset quality.AUBNQ4 20245 Jun 2025
Next Auburn National Bancorporation earnings date
Q1 202624 Apr, 2026
Auburn National Bancorporation
Next Auburn National Bancorporation earnings date
Q1 202624 Apr, 2026
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