{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-023559","form_type":"8-K","ticker":"AUBN","cik":"0000750574","company_name":"AUBURN NATIONAL BANCORPORATION, INC","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.640852+00:00","generated_at":"2026-05-16T07:43:21.882148+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"AUBN Q4 net income $1.7M ($0.48 EPS); full year EPS up 14% to $2.08","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-023559","json":"https://secwatch.observer/filing/0001193125-26-023559.json","markdown":"https://secwatch.observer/filing/0001193125-26-023559.md","text":"https://secwatch.observer/filing/0001193125-26-023559.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/750574/000119312526023559/0001193125-26-023559-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/750574/000119312526023559/d102559d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:43:21.882148+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}