BlastPoint's Banking Scorecard
AuburnBank
Designations: ✓ Community bank
Auburn, AL
7 branches across AL
AuburnBank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.83% below tier average
- + Loan-to-Deposit Ratio 22.53% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Net Interest Margin 0.47% below tier average
- - Efficiency Ratio 6.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.0% YoY
+0.8% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.7% in tier |
| Total Loans ? |
$575.3M
+3.8% YoY
+3.0% QoQ
|
-$1.4B |
$2.0B
+0.6% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.0% in tier |
| Total Deposits ? |
$932.7M
+2.3% YoY
+1.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.7% in tier |
| Return on Assets ? |
0.88%
+37.2% YoY
+18.4% QoQ
|
-0.49% |
1.37%
+19.6% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.35%
+5.0% YoY
+2.0% QoQ
|
-0.47% |
3.82%
+6.9% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
67.74%
-9.3% YoY
-2.1% QoQ
|
+6.68% |
61.06%
-4.6% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.05%
-50.3% YoY
-42.7% QoQ
|
-0.83% |
0.89%
+14.1% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Top 7.2% in tier |
| Loan-to-Deposit Ratio ? |
61.67%
+1.4% YoY
+2.0% QoQ
|
-22.53% |
84.20%
+0.3% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.18%
-6.0% YoY
-3.3% QoQ
|
+6.89% |
21.29%
-2.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.03%
-49.9% YoY
-41.4% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Top 6.3% in tier |
| Tier 1 Capital Ratio ? |
16.07%
+6.8% YoY
+0.1% QoQ
|
+0.91% |
15.16%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.09%
+16.6% YoY
-71.3% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
25% |
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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.
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Metric Rankings
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