AUBN AUBURN NATIONAL BANCORPORATION, INC

Overview and Growth

In fiscal 2025, AUBURN NATIONAL BANCORPORATION, INC recorded revenue of $619.00K. Reported revenue of $619.00K establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. Revenue was 0.8% above fiscal 2024 revenue of $614.00K, marking a year-over-year increase. The company reported diluted EPS of $2.08, adding a shareholder-level measure to the absolute income figures considered below. Diluted EPS increased by 13.7% from $1.83 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. The diluted weighted-average share count was 3.50M, linking total earnings with the per-share result received by shareholders. Compared with 3.49M diluted shares in fiscal 2024, the current 3.50M base was 0.0% higher. At period end, total assets were $1.02B, framing the scale of the bank’s balance-sheet commitments and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Before income taxes, the company reported $9.21M of earnings, providing a bridge between the operating result and final net income. The company recognized $1.96M of income tax for the period, completing the transition from pretax income to net income. Relative to pretax income, the tax provision measured 21.2%, quantifying the portion of pre-tax earnings paid in income tax. The balance-sheet-intensive banking model makes net income, return on assets, and return on equity the most relevant links between earnings and financial scale.

Liquidity and Capital Structure

At period end, the $1.02B asset base was financed through $926.74M of liabilities and $92.05M of equity. Reported cash and equivalents were $147.83M, separating immediately recognizable cash resources from the rest of the current-asset base. The equity-to-assets relationship was 9.0%, placing book capital against the total resource base. Relative to total assets, liabilities measured 91.0%, complementing the separate equity-based view of the company’s capital structure. The cash-to-assets relationship was 14.5%, comparing reported cash and equivalents with the full positive asset balance. The asset base changed 4.2% from $977.32M in fiscal 2024, leaving current total assets higher year over year. Reported equity changed 17.6% from $78.29M in fiscal 2024, placing the current capital base higher year over year. Cash and equivalents were 58.4% higher than fiscal 2024 cash of $93.35M, showing the year-over-year change in liquid resources. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. For a bank, asset growth describes the changing scale of the financial balance sheet, and equity growth shows whether the shareholder-capital layer moved in the same direction.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.