AUBURN NATIONAL BANCORPORATION, INC
For the period ended Sep 30, 2025. Filed Nov 12, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 12, 2025
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Item 2. Results of Operations
$
22,015
20,216
21,961
20,156
2,365
2,629
24,326
22,785
(152)
17,388
16,694
1,500
1,170
$
5,590
4,837
Per share data:
Basic and diluted net earnings
$
1.60
1.38
Cash dividends declared
0.81
0.81
Weighted average shares outstanding:
Basic
Diluted
3,494,465
Shares outstanding, at period end
Book value
$
25.65
24.14
Common stock price:
High
$
28.47
24.35
Low
19.48
16.63
Period end
28.44
22.90
To earnings ratio (b)
13.87
x
91.60
To book value
%
Performance ratios:
Annualized return on average equity
9.06
%
8.59
Annualized return on average assets
0.75
%
0.66
Dividend payout ratio
50.63
%
58.70
Asset Quality:
Allowance for credit losses as a % of:
Loans
1.20
%
1.22
Nonperforming loans
6,434
%
Nonperforming assets as a % of:
Loans and other real estate owned
0.02
%
0.14
0.01
%
0.08
0.02
%
0.14
Annualized net recoveries as a % of average loans
0.02
%
—
Capital Adequacy: (c)
CET 1 risk-based capital ratio
15.51
%
14.75
Tier 1 risk-based capital ratio
15.51
%
14.75
Total risk-based capital ratio
16.49
%
15.76
Tier 1 leverage ratio
10.72
%
10.43
Other financial data:
Net interest margin (a)
3.26
%
3.05
Effective income tax rate
21.16
%
19.48
Efficiency ratio (d)
71.32
%
73.08
Selected average balances:
$
239,296
259,158
560,659
568,628
991,935
979,243
907,105
900,876
82,281
75,044
Selected period end balances:
$
236,420
258,285
557,912
565,699
6,691
6,876
990,143
917,266
901,724
89,613
84,336
(a) Tax-equivalent. See "Table 1 - Explanation of Non-GAAP Financial Measures."
(b) Calculated by dividing period end share price by earnings
per share for the previous four quarters.
(c) Regulatory capital ratios presented are for the Company's
wholly-owned subsidiary, AuburnBank.
(d) Efficiency ratio is the result of noninterest expense divided
by the sum of noninterest income and tax-equivalent net interest
income.
See Table 1 - Explanation of Non-GAAP Measures.
Table 4
- Average
Balances and Net Interest Income Analysis
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