| Metric | AuburnBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | +0.0 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +3.2% | +5.9% | -2.7 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 10.2% | 12.2% | -2.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $990.5M | $573.7M | $90.9M | $4.6M | 0.88% | 3.31% | 0.01% |
| Q1 2026 | $1.03B | $932.7M | $575.3M | $90.8M | $2.2M | 0.88% | 3.35% | 0.03% |
| Q4 2025 | $1.02B | $923.7M | $558.4M | $90.8M | $7.5M | 0.74% | 3.28% | 0.05% |
| Q3 2025 | $1.01B | $918.1M | $551.4M | $88.3M | $5.8M | 0.77% | 3.25% | 0.01% |
| Q2 2025 | $1.03B | $940.7M | $555.9M | $84.7M | $3.5M | 0.70% | 3.20% | 0.03% |
| Q1 2025 | $996.3M | $911.4M | $554.2M | $81.7M | $1.6M | 0.64% | 3.19% | 0.06% |
| Q4 2024 | $976.9M | $896.8M | $557.1M | $76.9M | $6.6M | 0.67% | 3.08% | 0.05% |
| Q3 2024 | $989.7M | $902.8M | $559.4M | $82.9M | $5.0M | 0.67% | 3.05% | 0.08% |
Loan mix (Q2 2026): real estate $495.1M · commercial $25.4M · consumer $9.9M · securities $220.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | AuburnBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.2% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 59.0% | 75th |
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 | AuburnBank | 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 | AuburnBank | 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 | AuburnBank | 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 | AuburnBank | 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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