AUBURN NATIONAL BANCORPORATION, INC

For the period ended Sep 30, 2026. Filed Nov 6, 2026.

About 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, 2026 · Filed Nov 6, 2026

AUBN$25.76-2.6%Stored close · as of Nov 6, 2026

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Contents

Table 2 – Selected Quarterly Financial Data

· · 2026 · · · 2025 ·
· · Third · · · Second · · · First · · · Fourth · · · Third ·
(Dollars in thousands, except per share amounts) · · Quarter · · · Quarter · · · Quarter · · · Quarter · · · Quarter ·
Results of Operations
Net interest income (a)		$8,121		7,995		7,832		7,780		7,641
Less: tax-equivalent adjustment		107		107		99		67		69
Net interest income (GAAP)		8,014		7,888		7,733		7,713		7,572
Noninterest income		974		878		893		754		829
Total revenue		8,988		8,766		8,626		8,467		8,401
Provision for credit losses		(50)		(248)		(76)		783		(255)
Noninterest expense		5,894		6,105		5,901		5,563		5,806
Income tax expense		621		611		603		456		623
Net earnings		$2,523		2,298		2,198		1,665		2,227

Per share data:
Basic and diluted net earnings		$0.72		0.66		0.63		0.48		0.64
Cash dividends declared		0.27		0.27		0.27		0.27		0.27
Weighted average shares outstanding:
Basic		3,484,168		3,492,107		3,494,229		3,493,699		3,493,699
Diluted		3,485,208		3,492,107		3,496,518		3,496,729		3,495,972
Shares outstanding, at period end		3,480,486		3,487,830		3,495,866		3,493,699		3,493,699
Book value		$25.74		26.91		26.62		26.35		25.65
Common stock price:
High		$27.82		28.88		26.50		27.98		28.47
Low		25.01		23.03		21.01		24.00		23.13
Period end:		26.25		27.04		23.87		26.95		28.44
To earnings ratio (b)	10.54	x	11.22		10.52		12.96		13.87
To book value		102%		100		90		102		111
Performance ratios:
Annualized return on average equity		10.68%		9.74		9.65		7.40		10.65
Annualized return on average assets		0.99%		0.90		0.86		0.66		0.89
Dividend payout ratio		37.50%		40.91		42.86		56.25		42.19
Asset Quality:
Allowance for credit losses as a % of:
Loans		1.13%		1.14		1.16		1.27		1.20
Nonperforming loans		2,976%		10,291		6,643		1,489		6,434
Nonperforming assets as a % of:
Loans and other real estate owned		0.04%		0.01		0.02		0.09		0.02
Total assets		0.02%		0.01		0.01		0.05		0.01
Nonperforming loans as a % of total loans		0.04%		0.01		0.02		0.09		0.02
Annualized net charge-offs (recoveries) as % of average loans		(0.01)%		(0.02)		0.28		0.22		0.06
Capital Adequacy: (c)
CET 1 risk-based capital ratio		16.32%		16.26		16.12		16.06		15.51
Tier 1 risk-based capital ratio		16.32%		16.26		16.12		16.06		15.51
Total risk-based capital ratio		17.30%		17.24		17.13		17.14		16.49
Tier 1 leverage ratio		10.74%		10.65		10.60		10.71		10.72
Other financial data:
Net interest margin (a)		3.36%		3.33		3.28		3.24		3.21
Effective income tax rate		19.75%		21.00		21.53		21.50		21.86
Efficiency ratio (d)		64.80%		68.80		67.63		65.19		68.55
Selected average balances:
Loans, net of unearned income		$579,575		582,335		577,489		559,009		556,233
Total assets		1,018,667		1,021,742		1,026,163		1,009,953		997,892
Total deposits		921,216		925,608		930,474		917,178		909,293
Total stockholders’ equity		94,526		94,340		91,088		90,000		83,642
Selected period end balances:
Loans, net of unearned income		$571,847		579,589		582,040		565,354		557,912
Allowance for credit losses		6,487		6,586		6,776		7,176		6,691
Total assets		1,016,988		1,085,803		1,026,946		1,018,797		1,011,184
Total deposits		923,338		988,318		931,109		922,926		917,266
Total stockholders’ equity		89,587		93,874		93,061		92,053		89,613

(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.

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