AUBN Q4 net income $1.7M ($0.48 EPS); full year EPS up 14% to $2.08

AUBURN NATIONAL BANCORPORATION, INC

2025-FY EPS reported $2.08 revenue$619,000

Full year 2025 net income $7.3M ($2.08 EPS) vs $6.4M ($1.83 EPS) in 2024, up 14%.
Net interest margin (tax-equivalent) improved 21 bps to 3.27% for the year; record net interest income $29.7M.
Q4 provision for credit losses $783K, primarily due to two borrowing relationships; net charge-offs $304K (0.22% annualized).
Nonperforming assets were $0.5M (0.05% of total assets) at year-end, unchanged from prior year.
Tangible common equity ratio improved to 9.04% from 8.01% a year ago; cash dividends $0.27 per share paid in Q4.

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