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Auburn Banking Company
Auburn, KY · FDIC Certificate #284 · Chartered 01/0
Total assets
$164.25M
Total deposits
$149.78M
Total equity
$11.38M
Net loans
$124.88M
Branches (offices)
3
Net income (YTD)
$1.30M
Rank: #3,205 of 4,213 U.S. banks by assets · #89 of 120 in Kentucky. Assets changed 17.5% and deposits 19.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 23.05% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 6.93% |
| Tier 1 leverage ratio | 8.26% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.65% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 83.4% |
| Real estate loans (share of loans) | 86.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.18M | 86.6% | |
| Commercial & industrial | $9.72M | 7.8% | |
| Consumer / individual | $3.99M | 3.2% | |
| Construction & development | $9.94M | 8.0% | |
| Agricultural | $1.57M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.22M | $102.97M | $1.14M | $6.99M |
| Jun 2023 | $119.91M | $104.31M | $1.05M | $7.19M |
| Jun 2024 | $138.46M | $119.66M | $1.10M | $8.27M |
| Jun 2025 | $139.84M | $125.30M | $1.23M | $9.96M |
| Jun 2026 | $164.25M | $149.78M | $1.30M | $11.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $149.78M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $149.78M.
Similar-sized banks
Beacon Business Bank, National Association ($164.38M) · Northeast Missouri State Bank ($164.13M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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