secwatch.observer — SEC 8-K summary
======================================

Issuer:     AUBURN NATIONAL BANCORPORATION, INC (AUBN)
CIK:        0000750574
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001193125-26-023559
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/750574/000119312526023559/0001193125-26-023559-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/750574/000119312526023559/d102559d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-023559

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer