Auburnbank (FDIC #35): Bank Stress & Real-Estate Credit Exposure

Auburnbank (FDIC Cert #35): bank stress 79/100, severe, STABLE over 7 days; parent AUBURN NATIONAL BCORP INC.

Auburnbank (#35) lends in 3 counties across 1 state; Auburnbank (#35) reaches 29 ZIP codes: Alabama 3 counties, 29 ZIPs.

Auburnbank (#35) largest markets: Lee County, AL (75 branches, 15 ZIPs) (#35), Macon County, AL (13 branches, 13 ZIPs) (#35), Chambers County, AL (10 branches, 10 ZIPs) (#35).

Auburnbank (#35) reports $1.09 billion in total assets; Auburnbank (#35) equity $90.9 million (8.4% of Auburnbank (#35) assets); Auburnbank (#35) domestic deposits $990.5 million; Auburnbank (#35) net income $4.6 million; Auburnbank (#35) return on assets 0.88%; Auburnbank (#35) return on equity 10.15%; Auburnbank (#35) net interest income $15.7 million; Auburnbank (#35) call report June 30, 2026.

Auburnbank (#35) noncurrent real-estate loans 0.15% of its book; Auburnbank (#35) residential 0.29%; Auburnbank (#35) net charge-offs on real estate 0.01%.

Auburnbank (#35) net interest margin 3.31% against an eight-quarter Auburnbank (#35) average of 3.21% (Auburnbank (#35) compression -0.10 points); Auburnbank (#35) real-estate loans 15.0% of equity; Auburnbank (#35) rate-exposure score 40/100, Auburnbank (#35) fixed-rate trap 40/100; Auburnbank (#35) risk type credit driven; Auburnbank (#35) rate regime rates elevated, Auburnbank (#35) snapshot October 19, 2026.

Auburnbank (#35) stress score moved from 75.5 on June 22, 2026 to 78.6 on October 20, 2026; Auburnbank (#35) ranged 75.5 to 78.6 over 117 snapshots.

Auburnbank (#35) alerts: 3 counties; top Auburnbank (#35) alert scores: Notasulga County, AL 26 (low); Opelika County, AL 26 (low); Valley County, AL 26 (low).