---
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"
generated_at: "2026-05-16T07:43:21.882148+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-023559
- JSON: https://secwatch.observer/filing/0001193125-26-023559.json
- Plain text: https://secwatch.observer/filing/0001193125-26-023559.txt

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