BlastPoint's Banking Scorecard
AuburnBank
Designations: ✓ Community bank
Auburn, AL
7 branches across AL
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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in AL.
- Deposits +5.3% year over year ($990.5M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.88%.
- Efficiency ratio 68.21% vs a 59.73% peer average.
- Loan-to-deposit ratio 57.92% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
AuburnBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Net Interest Margin 0.56% below tier average
- - Efficiency Ratio 8.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.5% YoY
+5.7% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.9% in tier |
| Total Loans ? |
$573.7M
+3.2% YoY
-0.3% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.0% in tier |
| Total Deposits ? |
$990.5M
+5.3% YoY
+6.2% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
0.88%
+27.1% YoY
+0.6% QoQ
|
-0.51% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.31%
+3.3% YoY
-1.1% QoQ
|
-0.56% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
68.21%
-5.0% YoY
+0.7% QoQ
|
+8.48% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.01%
-79.4% YoY
-79.2% QoQ
|
-0.86% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 4.1% in tier |
| Loan-to-Deposit Ratio ? |
57.92%
-2.0% YoY
-6.1% QoQ
|
-27.11% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 6.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.37%
-7.9% YoY
-6.4% QoQ
|
+5.10% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.01%
-79.8% YoY
-80.4% QoQ
|
-0.67% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 3.6% in tier |
| Tier 1 Capital Ratio ? |
16.26%
+6.1% YoY
+1.1% QoQ
|
+1.41% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.16%
+9.8% YoY
+86.7% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.4%
-2.3pp YoY -1.8pp QoQ |
+5.0pp | 21.4% | 24.0% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 9.5% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
-0.9pp YoY -0.4pp QoQ |
-9.6pp | 14.0% | 16.9% | 12.5% | 16% |
| CRE |
65.6%
-0.3pp YoY -0.2pp QoQ |
+15.6pp | 50.0% | 43.5% | 41.4% | 84% |
| 1-4 Family |
20.2%
-0.9pp YoY +0.9pp QoQ |
-6.2pp | 26.4% | 30.6% | 31.3% | 43% |
| Consumer |
1.7%
+0.1pp YoY +0.2pp QoQ |
-3.0pp | 4.7% | 5.7% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.3%
+0.9pp YoY +0.2pp QoQ |
+0.7pp | 15.6% | 15.1% | 19.7% | 79% |
| Leverage Ratio |
10.7%
0.0pp YoY +0.1pp QoQ |
-0.7pp | 11.3% | 13.2% | 12.6% | 53% |
| Total Capital Ratio |
17.2%
+0.9pp YoY +0.2pp QoQ |
+0.5pp | 16.7% | 16.2% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
139
-13 (-8.6%) YoY -1 (-0.7%) QoQ |
-175 | 313 | 304 | 482 | 19% |
| Assets per Employee ($) |
$7.8M
+15.3% YoY +6.5% QoQ |
-$2.7M | $10.5M | $6.9M | $8.8M | 37% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 20 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 1.2% | 1.0% | 2% |
| Allowance Coverage |
102.91x
+344.7% YoY +369.3% QoQ |
+84.20x | 18.71x | 7.50x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.3% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+1.6pp YoY +0.3pp QoQ |
-2.4pp | 12.6% | 10.0% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.7% | 1.7% | 7% |
| Net Income ($, YTD) |
$4.6M
+32.5% YoY — QoQ |
-$14.6M | $19.2M | $17.2M | $40.4M | 10% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.