AUBURN NATIONAL BANCORPORATION, INC
For the period ended Mar 31, 2026. Filed May 13, 2026.
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.
Mar 31, 2026 · Filed May 13, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2025-09-30; filed 2025-11-12.
0001193125-25-277883
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsDefaults Upon Senior SecuritiesMine Safety DisclosuresCurrent report: 10-Q
Period ended 2026-03-31; filed 2026-05-13.
0001193125-26-221544
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsDefaults Upon Senior SecuritiesMine Safety DisclosuresThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 45 previous paragraphs and 75 current paragraphs.
21 unchanged; 14 reworded; 40 added; 10 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Added paragraphs (40)
Current report
rate, since December 2025, the Federal Reserve has maintained its target
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bills and, if needed, other Treasury securities with
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or less to maintain an ample level of reserves, and reinvested all principal payments on Treasury
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all principal payment on agency securities into Treasury
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This policy was continued at the Federal Reserve’s
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The reductions in the target federal funds rates and Federal Reserve
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be viewed as a more accommodative monetary policy,
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The Federal Reserve may or may not continue this accommodative
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future monetary policy action “will take into account a wide range of information, including
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readings on labor market conditions, inflation pressures and inflation
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developments.” Such changes and other risks and uncertainties not currently
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The United States and Israel attacked Iran on February 28, 2026 and hostilities continue
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As a result, shipments of oil through the Straits of Hormuz have been limited, reducing
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oil in the international markets and causing oil prices to rise significantly.
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been adversely affected, and transportation costs, prices and inflation
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in the United States and elsewhere have increased.
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The duration of these hostilities and the long-term effects of
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the blockage of oil through the Straits of Hormuz and the other
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osts and effects of these hostilities cannot be predicted.
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any repurchases of its
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common stock or other equity securities during the first quarter of 2026.
Removed paragraphs (10)
Previous report
the 2% rate, during the last year the Federal Reserve has reduced its target
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These actions, and the changes from tighter to more accommodative monetary policy
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securities during the third quarter of
Reworded paragraphs (14)
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interest rates and reductions in the Federal Reserve’s
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interest rates and/or reductions in the Federal Reserve’s
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securities portfolio, have and may continue to affect the levels
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securities portfolio, have and may continue to affect the levels of
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3.75% to 4.00%, and on October 29, 2025 announced that it would end the
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range from 3.50% to 3.75% and in October 29, 2025 announced that it would
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roll-off of maturing securities it held beginning
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December 1, 2025 as the Federal Reserve sought to meet its dual mandate of
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beginning December 1, 2025 as the Federal Reserve sought to meet its dual mandate
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expected to continue to affect our deposit costs and mixes,
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which has affected and may continue to affect our deposit
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mixes, and consumer savings and payment behaviors.
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affect our borrowers’ operating costs, expected returns and
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These may also affect our borrowers’ operating costs, expected
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returns and cash flows available to service our loans.
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uncertainties not currently known to us or that we currently deem to be
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immaterial also may materially adversely affect our
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immaterial also may materially adversely affect our business, financial
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usiness, financial condition, and/or operating results in the future.
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condition, and/or operating results in the future.
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The Company did not make any unregistered sales of common stock or other equity
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The Company did not make any unregistered sales of common stock or other equity securities or