---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-014165"
form_type: "8-K"
ticker: "AUBN"
cik: "0000750574"
company_name: "AUBURN NATIONAL BANCORPORATION, INC"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:46:03.112698+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Auburn National Q4 net income $1.6M ($0.45); NIM improves to 3.09% vs 2.65% YoY

## Summary
- Q4 2024 net income $1.6M ($0.45/sh) vs net loss of $4.0M ($1.14) in Q4 2023, which included a $4.7M after-tax securities loss.
- Full year 2024 net income $6.4M ($1.83/sh) compared to $1.4M ($0.40) in 2023.
- Net interest margin (tax-equivalent) rose 44 bps to 3.09% from 2.65% a year ago; net interest income up 14% YoY.
- Nonperforming assets remained low at $0.5M or 0.05% of total assets at Dec 31, 2024.
- Book value per share $22.41; paid cash dividends of $0.27 per share in Q4.

## SEC filing metadata
- accession: 0001193125-25-014165
- form_type: 8-K
- ticker: AUBN
- cik: 0000750574
- company_name: AUBURN NATIONAL BANCORPORATION, INC
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/750574/000119312525014165/0001193125-25-014165-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/750574/000119312525014165/d892925d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-014165
- JSON: https://secwatch.observer/filing/0001193125-25-014165.json
- Plain text: https://secwatch.observer/filing/0001193125-25-014165.txt

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