| Metric | Auburn Banking Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.5% | +4.4% | +13.1 pts |
| Deposit growth (YoY) | +19.5% | +4.0% | +15.6 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.6 pts |
| ROA | 1.65% | 1.24% | +0.4 pts |
| ROE | 23.1% | 11.9% | +11.2 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.3M | $149.8M | $124.9M | $11.4M | $1.3M | 1.65% | 4.17% | 0.49% |
| Q1 2026 | $154.8M | $140.4M | $116.7M | $11.4M | $626K | 1.63% | 4.13% | 0.23% |
| Q4 2025 | $153.4M | $137.7M | $114.9M | $11.1M | $2.2M | 1.56% | 4.26% | 0.30% |
| Q3 2025 | $142.1M | $127.0M | $110.6M | $10.5M | $1.9M | 1.76% | 4.26% | 0.36% |
| Q2 2025 | $139.8M | $125.3M | $106.6M | $10.0M | $1.2M | 1.77% | 4.22% | 0.12% |
| Q1 2025 | $139.7M | $122.3M | $107.7M | $9.8M | $566K | 1.62% | 4.11% | 0.12% |
| Q4 2024 | $139.4M | $120.7M | $106.4M | $9.2M | $2.3M | 1.72% | 4.20% | 0.08% |
| Q3 2024 | $137.6M | $120.9M | $106.3M | $9.1M | $1.8M | 1.72% | 4.21% | 0.26% |
Loan mix (Q2 2026): real estate $108.2M · commercial $9.7M · consumer $4.0M · securities $20.4M
| Ratio | Auburn Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Auburn Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Auburn Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Auburn Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Auburn Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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