---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-192884"
form_type: "8-K"
ticker: "AUBN"
cik: "0000750574"
company_name: "AUBURN NATIONAL BANCORPORATION, INC"
filed_at: "2023-07-25T23:59:59+00:00"
generated_at: "2026-06-13T03:39:23.451262+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Auburn National Q2 EPS $0.55, revenue +6%; net interest margin 3.03%

## Summary
- Net earnings $1.9M ($0.55 diluted EPS) vs $1.8M ($0.51) in Q2 2022; total revenue up 6%.
- Net interest margin (tax-equivalent) 3.03% vs 2.60% YoY; cost of funds 93 bps vs 32 bps.
- Negative provision for credit losses $0.4M on resolution of collateral-dependent nonperforming loan.
- Average loans $512.1M, up 19% YoY; total deposits $950.7M flat; NPA ratio 0.11%.
- Dividend raised to $0.27/share (2% increase); book value $20.28; no guidance change.

## SEC filing metadata
- accession: 0001193125-23-192884
- form_type: 8-K
- ticker: AUBN
- cik: 0000750574
- company_name: AUBURN NATIONAL BANCORPORATION, INC
- filed_at: 2023-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/750574/000119312523192884/0001193125-23-192884-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750574/000119312523192884/d542877d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-192884
- JSON: https://secwatch.observer/filing/0001193125-23-192884.json
- Plain text: https://secwatch.observer/filing/0001193125-23-192884.txt

## Key facts
- Earnings Releases
  AUBURN NATIONAL BANCORPORATION, INC reported the second quarter of 2023 results: net income $1.9 million, EPS $0.55 per share.
  - Period: the second quarter of 2023
  - Net income: $1.9 million
  - EPS: $0.55 per share
  - Result: reported results
  source text: Auburn National Bancorporation, Inc. (Nasdaq: AUBN) reported net earnings of $1.9 million, or $0.55 per share, for the second quarter of 2023, compared to $1.8 million, or $0.51 per share, for the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/750574/000119312523192884/0001193125-23-192884-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.