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Auburn Banking Company

$100M-$1B Specialty: Other KY FDIC cert 284

Auburn, KY

3 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +19.5% year over year ($149.8M on the books).
  • Delinquency rate 0.65%.
  • Return on assets 1.65%.
  • Efficiency ratio 59.47% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Auburn Banking Company shows strong momentum with 4 strengths and 17.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.18% above tier average
  • + Efficiency Ratio 5.01% below tier average
  • + Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Auburn Banking Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $164.3M
+17.5% YoY +6.1% QoQ
-$222.3M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $124.9M
+17.2% YoY +7.0% QoQ
-$133.5M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $149.8M
+19.5% YoY +6.7% QoQ
-$176.9M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 1.65%
-6.4% YoY +1.7% QoQ
+0.33% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 4.17%
-1.3% YoY +0.8% QoQ
+0.18% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 59.47%
+1.4% YoY -2.7% QoQ
-5.01% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.65%
+325.2% YoY +111.3% QoQ
-0.27% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 83.38%
-2.0% YoY +0.3% QoQ
+5.42% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 29.15%
-9.9% YoY -2.7% QoQ
+7.12% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 0.49%
+324.1% YoY +113.1% QoQ
-0.17% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
40%
Tier 1 Capital Ratio ? 11.00%
-5.8% YoY -4.9% QoQ
-4.91% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
23%
Non-Interest Income / Assets ? 0.20%
-3.6% YoY +90.2% QoQ
-0.36% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 29.2%
-3.2pp YoY
-0.8pp QoQ
 +7.0pp 22.1% 23.5% 22.2% 80%
Brokered Deposits 1.0%
-2.2pp YoY
-0.1pp QoQ
 -6.9pp 7.9% 5.4% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 7.8%
+0.5pp YoY
+0.4pp QoQ
 -3.8pp 11.6% 8.6% 12.5% 38%
CRE 22.6%
+0.3pp YoY
+0.6pp QoQ
 -16.9pp 39.5% 37.1% 41.4% 22%
1-4 Family 49.2%
+2.4pp YoY
+0.8pp QoQ
 +16.6pp 32.6% 41.6% 31.3% 81%
Consumer 3.2%
-1.3pp YoY
-0.3pp QoQ
 -0.9pp 4.1% 4.8% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 11.0%
-0.7pp YoY
-0.6pp QoQ
 -7.8pp 18.8% 20.2% 19.7% 8%
Leverage Ratio 8.3%
-0.3pp YoY
-0.3pp QoQ
 -3.9pp 12.2% 14.0% 12.6% 4%
Total Capital Ratio 11.8%
-0.6pp YoY
-0.6pp QoQ
 -8.1pp 19.9% 21.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 27
+3 (+12.5%) YoY
0 QoQ
 -32 58 105 482 22%
Assets per Employee ($) $6.1M
+4.4% YoY
+6.1% QoQ
 -$1.4M $7.5M $6.3M $8.8M 35%
Branch Count 3
+1 (+50.0%) YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.5pp YoY
+0.3pp QoQ
 +0.3pp 0.3% 0.3% 0.4% 85%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 11%
Allowance Coverage 1.17x
-75.3% YoY
-53.6% QoQ
 -22.98x 24.15x 7.45x 20.23x 31%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 23.1%
-2.5pp YoY
+0.8pp QoQ
 +10.9pp 12.2% 13.3% 11.6% 94%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 69%
Net Income ($, YTD) $1.3M
+5.6% YoY
— QoQ
 -$1.3M $2.6M $5.1M $40.4M 36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

540
Non-Interest-Bearing Deposit Share
funding
Value: 29.15%
Peer Median: 22.03%
#540 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2170
Total Assets
size
Value: $164.25M
Peer Median: $386.57M
#2170 of 2643 Bottom 17.9% in $100M-$1B
2073
Total Deposits
size
Value: $149.78M
Peer Median: $326.73M
#2073 of 2643 Bottom 21.6% in $100M-$1B
2029
Tier 1 Capital Ratio
capital
Value: 11.00%
Peer Median: 15.91%
#2029 of 2643 Bottom 23.3% in $100M-$1B
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