Form 8-K

8-K — AUBURN NATIONAL BANCORPORATION, INC

Accession: 0001193125-26-320838

Filed: 2026-07-28

Period: 2026-07-28

CIK: 0000750574

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — d183013d8k.htm (Primary)

EX-99.1 (d183013dex991.htm)

GRAPHIC (g183013g78p63.jpg)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: d183013d8k.htm · Sequence: 1

8-K

AUBURN NATIONAL BANCORPORATION, INC false 0000750574 0000750574 2026-07-28 2026-07-28

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report: July 28, 2026

AUBURN NATIONAL BANCORPORATION, INC.

(Exact Name of Registrant as Specified in Charter)

Delaware

0-26486

63-0885779

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

100 North Gay Street, P.O. Drawer 3110, Auburn, Alabama 36831-3110

(Addresses of Principal Executive Offices, including Zip Code)

(334) 821-9200

(Registrant’s Telephone Number, including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common Stock, par value $0.01

AUBN

Nasdaq Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.

Results of Operations and Financial Condition

The information in this Current Report on Form 8-K, including the exhibits attached hereto, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document filed by the Company pursuant to the Securities Act of 1933, as amended, or into any other filing or document made by the Company pursuant to the Securities Exchange Act of 1934, as amended, except as otherwise expressly stated in any such filing.

Attached and incorporated herein by reference as Exhibit 99.1 is a copy of the press release of Auburn National Bancorporation, Inc., dated July 28, 2026, reporting the Company’s financial results for the quarter and six months ended June 30, 2026.

Item 9.01.

Financial Statements, Pro Forma Financial Information and Exhibits.

Exhibit No.

Exhibit Description

99.1

Press Release, dated July 28, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

AUBURN NATIONAL BANCORPORATION, INC.

(Registrant)

/s/ David A. Hedges

David A. Hedges

President and CEO

Date: July 28, 2026

EX-99.1

Filename: d183013dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

For additional information, contact:

David A. Hedges

President and CEO

(334) 821-9200

Press Release – July 28, 2026

Auburn National Bancorporation, Inc. Reports Second Quarter Net Earnings

Second Quarter 2026 vs. Second Quarter 2025 Highlights:

•

Earnings per share increased 27%

•

Net interest income (tax-equivalent) increased 8%

•

Net interest margin (tax-equivalent) increased 15 basis points to 3.33%

•

Negative provision for credit losses of $248 thousand, compared to a charge for provision for credit losses

of $113 thousand in 2Q 2025

•

Return on assets (annualized) improved to 0.90%, compared to 0.74% in 2Q 2025

•

Nonperforming assets decreased to 0.01% of total assets

AUBURN, Alabama – Auburn National Bancorporation, Inc. (Nasdaq: AUBN) reported net earnings of $2.3 million, or $0.66 per share, for the second

quarter of 2026, compared to $2.2 million, or $0.63 per share, for the first quarter of 2026, and $1.8 million, or $0.52 per share, for the second quarter of 2025. Net earnings were $4.5 million, or $1.29 per share, for the first six

months of 2026, compared to $3.4 million, or $0.96 per share, for the first six months of 2025.

“Our second quarter results reflect strong

revenue growth, improved profitability, and continued expansion of our net interest margin,” said David A. Hedges, President and CEO. “Earnings per share increased 27% compared to the second quarter of 2025, and our asset quality,

capital, and liquidity remain strong,” continued Mr. Hedges.

Net interest income (tax-equivalent) was

$8.0 million in the second quarter of 2026 compared to $7.8 million in the first quarter of 2026, and $7.4 million in the second quarter of 2025. Compared to the first quarter of 2026, the increase was primarily due to improvements in

our net interest margin. Compared to the second quarter of 2025, the increase was due to both growth in average interest-earning assets and improvements in our net interest margin.

Net interest margin (tax-equivalent) was 3.33% in the second quarter of 2026, compared to 3.28% in the first quarter

of 2026 and 3.18% in the second quarter of 2025. The increase in net interest margin was primarily due to higher yields on earning assets and a more favorable asset mix. Compared to the second quarter of 2025, the increase also benefited from a

lower cost of interest-bearing deposits. Average loans were approximately $582.3 million in the second quarter of 2026, compared to $577.5 million in the first quarter of 2026, and $559.8 million in the second quarter of 2025.

Nonperforming assets were $0.1 million, or 0.01% of total assets, at both June 30, 2026 and March 31, 2026, compared to $0.3 million, or

0.03% of total assets at June 30, 2025.

Net recoveries were $21 thousand, or (0.01%) of average loans on an annualized basis for the second

quarter of 2026, compared to net charge-offs of $402 thousand, or 0.28% of average loans on an annualized basis for the first quarter of 2026, and net recoveries of $48 thousand, or (0.03%) of average loans on an annualized basis for the

second quarter of 2025. Net charge-offs in the first quarter of 2026 were primarily due to one individually evaluated nonperforming loan that was fully charged-off.

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At June 30, 2026, the Company’s allowance for credit losses was $6.6 million or 1.14% of

total loans, compared to $6.8 million, or 1.16% of total loans at March 31, 2026, and $7.0 million, or 1.24% of total loans at June 30, 2025. The decrease from March 31, 2026 was primarily related to early payoffs in the

loan portfolio during the second quarter of 2026. The decrease from June 30, 2025 was primarily due to refinements in the Company’s calculation of current expected credit losses (“CECL”). During the first quarter of 2026, the

Company established a new loan segment within its CECL calculation for municipal loans, which reduced the allowance for credit losses due to lower expected credit costs associated with these loans. Prior to this change, municipal loans were included

in the commercial and industrial loan segment for CECL.

The Company recorded a negative provision for credit losses of $(248) thousand in the second

quarter of 2026, compared to a negative provision for credit losses of $(76) thousand in the first quarter of 2026, and a charge to provision for credit losses of $113 thousand in the second quarter of 2025. The provision for credit losses is

affected by changes in overall balance and composition of our loan portfolio and unfunded commitments, our internal assessment of the credit quality of the loan portfolio, our expectations about future economic conditions, and net charge-offs.

Noninterest income was $0.9 million for the second quarter of 2026, largely unchanged from the first quarter of 2026, compared to $0.8 million for

the second quarter of 2025. The increase from the second quarter of 2025 was primarily due to an increase in bank owned life insurance income from non-taxable death benefits received during the second quarter

of 2026.

Noninterest expense was $6.1 million for the second quarter of 2026, compared to $5.9 million for the first quarter of 2026 and

$5.7 million for the second quarter of 2025. The increase from both periods was primarily due to a $0.4 million loss contingency accrual recorded in other noninterest expense, partially offset in the linked-quarter comparison by lower

salaries and benefits and professional fees expense. The Company has notified its insurance carrier and is evaluating potential coverage, but no insurance recovery has been recognized in the second quarter 2026 results.

The provision for income tax expense was $0.6 million for the second quarter of 2026, unchanged compared to the first quarter of 2026 and

$0.5 million for the second quarter of 2025. The increase from the second quarter of 2025 was primarily due to the level of pre-tax earnings.

The effective tax rate for the second quarter of 2026 was 21.00%, compared to 21.53% for the first quarter of 2026 and 20.92% for the second quarter of 2025.

The Company’s effective income tax rate is principally affected by tax-exempt earnings from the Company’s investments in municipal securities and loans, bank-owned life insurance, and New Markets

Tax Credits.

Total assets were $1.1 billion at June 30, 2026, compared to $1.0 billion at both March 31, 2026 and June 30, 2025.

Total deposits were $988.3 million at June 30, 2026, compared to $931.1 million at March 31, 2026, and $939.9 million at June 30, 2025. The increase compared to March 31, 2026 was primarily due to fluctuations in

reciprocal customer deposits retained on balance sheet. The Company had $82.3 million of reciprocal deposits on its balance sheet at June 30, 2026, compared to $19.9 million at March 31, 2026. Compared to June 30, 2025,

total deposits increased primarily due to growth in money market and interest checking account balances, partially offset by lower noninterest-bearing demand deposits.

At June 30, 2026, the Company’s stockholders’ equity was $93.9 million, or $26.91 per share, compared to $93.1 million, or $26.62

per share, at March 31, 2026 and $86.1 million, or $24.64 per share, at June 30, 2025. The Company’s equity-to-assets ratio was 8.65% at

June 30, 2026, compared to 9.06% at March 31, 2026 and 8.36% at June 30, 2025. The decrease in the equity-to-assets ratio from March 31, 2026 was due

to balance sheet growth from retaining all reciprocal deposits on balance sheet at June 30, 2026. All of the Company’s marketable securities are classified as

available-for-sale. Therefore, any changes in the fair value of the Company’s securities portfolio are reflected in total equity, net of tax, under generally

accepted accounting principles, but do not affect our capital for regulatory purposes.

The Company paid cash dividends of $0.27 per share in the second

quarter of 2026. At June 30, 2026, the Bank’s regulatory capital ratios were well above the minimum amounts required to be “well capitalized” under current regulatory standards.

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About Auburn National Bancorporation, Inc.

Auburn National Bancorporation, Inc. (the “Company”) is the parent company of AuburnBank (the “Bank”), with total assets of

approximately $1.1 billion. The Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System, which has operated continuously since 1907. Both the Company and the Bank are headquartered in Auburn, Alabama. The Bank

conducts its business in East Alabama, including Lee County and surrounding areas. The Bank operates seven full-service branches in Auburn, Opelika, Valley, and Notasulga, Alabama. The Bank also operates a loan production office in Phenix City,

Alabama. Additional information about the Company and the Bank may be found by visiting www.auburnbank.com.

Cautionary Notice Regarding

Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning of the Securities Act of 1933 and

the Securities Exchange Act of 1934. All statements with respect to our objectives, expectations, anticipations, estimates and intentions and all statements other than statements of historical fact are forward-looking statements. You can identify

these forward-looking statements through our use of words such as “may,” “will,” “anticipate,” “assume,” “should,” “indicate,” “would,” “believe,”

“contemplate,” “expect,” “estimate,” “continue,” “designed,” “plan,” “point to,” “project,” “could,” “intend,”

“target,” “seek” and other similar words and expressions of the future. Forward looking statements, include, without limitation, statements about future financial and operating results, costs and revenues, government policies

and changes in policies, including Federal Reserve monetary and regulatory actions. Forward looking statements also include statements about economic conditions generally in our markets and which may affect us, loan demand, mortgage lending

activity, changes in the mix of our earning assets (including those generating tax exempt income or tax credits) and our mix and cost of deposits and wholesale liabilities, net interest income and margin, yields on earning assets, the market values

and performance of securities held, effects of inflation and employment, including the effects of government fiscal and monetary policies.

Forward-looking statements involve known and unknown risks, uncertainties and other factors, which may be beyond our control, and which may cause the actual

results, performance, achievements and/or financial condition of the Company or the Bank to be materially different from future results, performance, achievements or financial condition expressed or implied by such forward-looking statements.

Forward looking statements may not be realized due to numerous factors, including, without limitation, changes in employment levels, actual and expected changes in interest rates and interest rate expectations (generally and those applicable to our

assets and liabilities) and the shape of the yield curve, and related changes in our asset values, especially investment securities, noninterest income, loan performance, loan deferrals and modifications, nonperforming assets, other real estate

owned, provision for credit losses, including possible adjustments to the fair values of securities available for sale, charge-offs, collateral values, credit quality, asset sales, insurance claims, and market trends. You should not expect us to

update any forward-looking statements.

All written or oral forward-looking statements attributable to us are expressly qualified in their entirety by

this cautionary notice, together with those described in the “Cautionary Note Regarding Forward-Looking Statements” and the risks and uncertainties described under “Risk Factors” and elsewhere in our annual report on Form 10-K for the year ended December 31, 2025 and otherwise in our other SEC reports and filings.

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Explanation of Certain Unaudited Non-GAAP Financial Measures

This press release contains financial information determined by methods other than U.S. generally accepted accounting principles (“GAAP”).

The attached financial highlights include certain designated net interest income amounts presented on a tax-equivalent basis, a non-GAAP financial measure. Tax-equivalent net interest income is used in the calculation of our net interest margin and efficiency ratio. In the first quarter of 2026, we changed the presentation of net interest income on a tax-equivalent basis to account for tax-exempt interest income on municipal loans. Also, we reclassified average net unrealized gains (losses) on available-for-sale securities to average other assets so that average total securities are presented on an amortized cost basis in our calculation of net interest margin.

Prior period amounts, including the presentation and calculation of our net interest margin and efficiency ratio, have been revised herein to conform with the current period presentation. These changes had no effect on the presentation of GAAP net

interest income in current or prior periods.

Management uses these non-GAAP financial measures in its analysis of

the Company’s performance and believes the presentation of net interest income on a tax-equivalent basis provides comparability of net interest income from both taxable and

tax-exempt sources and facilitates comparability within the industry. Similarly, the efficiency ratio is a common measure that facilitates comparability with other financial institutions. Although the Company

believes these non-GAAP financial measures enhance investors’ understanding of its business and performance, these non-GAAP financial measures should not be

considered an alternative to GAAP. Along with the attached financial highlights, the Company provides reconciliations between the GAAP financial measures and these non-GAAP financial measures.

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Reports Second Quarter Net Earnings/page 5

Financial Highlights (unaudited)

Quarters Ended

Six months ended

June 30,

March 31,

June 30,

(Dollars in thousands, except per share amounts)

2026

2025

2026

2025

Results of Operations

Net interest income (a)

7,995

7,832

7,411

15,827

14,523

Less: tax-equivalent adjustment

107

206

134

Net interest income (GAAP)

7,888

7,733

7,344

15,621

14,389

Noninterest income

878

893

789

1,771

1,536

Total revenue

8,766

8,626

8,133

17,392

15,925

Provision for credit losses

(248

)

(76

)

113

(324

)

103

Noninterest expense

6,105

5,901

5,702

12,006

11,582

Income tax expense

611

603

485

1,214

877

Net earnings

2,298

2,198

1,833

4,496

3,363

Per share data:

Basic and diluted net earnings:

0.66

0.63

0.52

1.29

0.96

Cash dividends declared

0.27

0.54

Weighted average shares outstanding:

Basic

3,492,107

3,494,229

3,493,699

3,493,162

3,493,699

Diluted

3,492,107

3,496,518

3,493,699

3,494,292

3,493,699

Shares outstanding, at period end

3,487,830

3,495,866

3,493,699

3,487,830

3,493,699

Stockholders’ equity (book value)

26.91

26.62

24.64

26.91

24.64

Common stock price:

High

28.88

26.50

25.28

28.88

25.28

Low

23.03

21.01

19.48

21.01

19.48

Period-end:

27.04

23.87

25.00

27.04

25.00

To earnings ratio (c)

11.22x

10.52x

13.09x

11.22x

13.09x

To book value

100

101

100

101

Performance ratios:

Return on average equity (annualized)

9.74

9.65

9.00

9.70

8.26

Return on average assets (annualized)

0.90

0.86

0.74

0.88

0.68

Dividend payout ratio

40.91

42.86

51.92

41.86

56.25

Other financial data:

Net interest margin (a)

3.33

3.28

3.18

3.31

3.13

Effective income tax rate

21.00

21.53

20.92

21.26

20.68

Efficiency ratio (b)

68.80

67.63

69.54

68.22

72.12

Asset Quality:

Nonperforming assets:

Nonperforming (nonaccrual) loans

102

302

Total nonperforming assets

102

302

Net charge-offs (recoveries)

(21

)

402

(48

)

381

Allowance for credit losses as a % of:

Loans

1.14

1.16

1.24

1.14

1.24

Nonperforming loans

10,291

6,643

2,306

10,291

2,306

Nonperforming assets as a % of:

Loans and other real estate owned

0.01

0.02

0.05

0.01

0.05

Total assets

0.01

0.03

0.01

0.03

Nonperforming loans as a % of total loans

0.01

0.02

0.05

0.01

0.05

Annualized net charge-offs (recoveries) as a % of average loans

(0.01

0.28

(0.03

0.13

0.01

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Selected average balances:

Loans, net of unearned income

582,335

577,489

559,770

579,925

562,909

Total assets

1,021,742

1,026,163

990,523

1,023,940

988,907

Total deposits

925,608

930,474

905,227

928,028

906,011

Total stockholders’ equity

94,340

91,088

81,447

92,723

81,447

Selected period end balances:

Loans, net of unearned income

579,589

582,040

562,714

579,589

562,714

Allowance for credit losses

6,586

6,776

6,965

6,586

6,965

Total assets

1,085,803

1,026,946

1,029,224

1,085,803

1,029,224

Total deposits

988,318

931,109

939,851

988,318

939,851

Total stockholders’ equity

93,874

93,061

86,071

93,874

86,071

(a)

Tax equivalent. See “Explanation of Certain Unaudited Non-GAAP

Financial Measures” and “Reconciliation of GAAP to non-GAAP Measures (unaudited).”

(b)

Efficiency ratio is the result of noninterest expense divided by the sum of noninterest income and tax-equivalent net interest income. See “Reconciliation of GAAP to non-GAAP Measures (unaudited)” below.

(c)

Calculated by dividing period end share price by earnings per share for the previous four quarters.

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Reports Second Quarter Net Earnings/page 6

Average Balances and Net Interest Income Analysis (1)

Quarter ended

June 30, 2026

March 31, 2026

June 30, 2025

Interest

Average

Income/

Yield/

Average

Income/

Yield/

Average

Income/

Yield/

(Dollars in thousands)

Balance

Expense

Rate

Balance

Expense

Rate

Balance

Expense

Rate

Interest-earning assets:

Loans and loans held for sale (2) (3)

582,590

8,274

5.70

577,847

8,014

5.62

559,939

7,726

5.53

Securities (3) (4)

250,569

1,219

1.95

256,565

1,241

1.96

274,026

1,336

1.96

Federal funds sold

29,471

260

3.54

24,352

216

3.60

25,705

280

4.37

Interest bearing bank deposits

100,439

934

3.73

108,509

989

3.70

76,237

836

4.40

Total interest-earning assets

963,069

10,687

4.45

967,273

10,460

4.39

935,907

10,178

4.36

Cash and due from banks

13,515

14,153

15,936

Other assets (5)

45,158

44,737

38,680

Total assets

1,021,742

1,026,163

990,523

Interest-bearing liabilities:

Deposits:

NOW

213,794

627

1.18

236,218

779

1.34

198,973

649

1.31

Savings and money market

274,169

680

0.99

257,214

473

0.75

253,704

646

1.02

Time deposits

181,093

1,385

3.07

179,947

1,376

3.10

184,666

1,471

3.20

Total interest-bearing deposits

669,056

2,692

1.61

673,379

2,628

1.58

637,343

2,766

1.74

Short-term borrowings

—

110

3.65

Total interest-bearing liabilities

669,056

2,692

1.61

673,379

2,628

1.58

637,453

2,767

1.74

Noninterest-bearing deposits

256,552

257,095

267,884

Other liabilities

1,794

4,601

3,739

Stockholders’ equity

94,340

91,088

81,447

Total liabilities and stockholders’ equity

1,021,742

1,026,163

990,523

Net interest income and margin (tax-equivalent)

7,995

3.33

7,832

3.28

7,411

3.18

(1)

In the first quarter of 2026, we changed the presentation of net interest income on a tax-equivalent basis to account for tax-exempt interest income on municipal loans. Also, we reclassified average net unrealized gains (losses) on available-for-sale securities to average other assets so that average total securities are presented on an amortized cost basis in our calculation of net interest margin.

Prior period amounts, including the presentation and calculation of our net interest margin, have been revised to conform with the current period presentation.

(2)

Loans on nonaccrual status have been included in the computation of average balances.

(3)

Reflects tax-equivalent adjustments, using the statutory federal income

tax rate of 21%, in adjusting interest on tax-exempt loans and securities to a tax-equivalent basis.

(4)

Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(5)

Includes average net unrealized gains (losses) on securities available-for-sale of $(26.2), $(25.9), and $(33.8) million for the quarters ended June 30, 2026, March 31, 2026, and June 30, 2025, respectively.

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Reports Second Quarter Net Earnings/page 7

Average Balances and Net Interest Income Analysis (1)

Six months ended June 30,

2026

2025

(Dollars in thousands)

Average

Balance

Interest

Income/

Expense

Yield/

Rate

Average

Balance

Interest

Income/

Expense

Yield/

Rate

Interest-earning assets:

Loans and loans held for sale (2) (3)

580,231

16,288

5.66

563,086

15,318

5.49

Securities (3) (4)

253,550

2,460

1.96

277,026

2,703

1.97

Federal funds sold

26,925

475

3.56

26,282

571

4.38

Interest bearing bank deposits

104,452

1,924

3.71

68,777

1,514

4.44

Total interest-earning assets

965,158

21,147

4.42

935,171

20,106

4.34

Cash and due from banks

13,832

17,001

Other assets (5)

44,950

36,735

Total assets

1,023,940

988,907

Interest-bearing liabilities:

Deposits:

NOW

224,944

1,407

1.26

204,069

1,391

1.37

Savings and money market

265,739

1,152

0.87

248,233

1,147

0.93

Time deposits

180,523

2,761

3.08

187,763

3,044

3.27

Total interest-bearing deposits

671,206

5,320

1.60

640,065

5,582

1.76

Short-term borrowings

—

3.67

Total interest-bearing liabilities

671,206

5,320

1.60

640,120

5,583

1.76

Noninterest-bearing deposits

256,822

265,946

Other liabilities

3,189

3,030

Stockholders’ equity

92,723

79,811

Total liabilities and stockholders’ equity

1,023,940

988,907

Net interest income and margin (tax-equivalent)

15,827

3.31

14,523

3.13

(1)

Prior period amounts, including the presentation and calculation of our net interest margin, have been revised to conform with the current period presentation.

(2)

Loans on nonaccrual status have been included in the computation of average balances.

(3)

Reflects tax-equivalent adjustments, using the statutory federal income

tax rate of 21%, in adjusting interest on tax-exempt loans and securities to a tax-equivalent basis.

(4)

Securities are included on an amortized cost basis with yield and net interest margin calculated accordingly.

(5)

Includes average net unrealized gains (losses) on securities available-for-sale of $(26.1) and $(36.6) million for the six months ended June 30, 2026 and 2025, respectively.

-more-

Reports Second Quarter Net Earnings/page 8

Reconciliation of GAAP to non-GAAP Measures (unaudited):

Quarters Ended

Six months ended

(Dollars in thousands, except per share amounts)

June 30,

2026

March 31,

2026

June 30,

2025

June 30,

2026

June 30,

2025

Net interest income, as reported (GAAP)

7,888

7,733

7,344

15,621

14,389

Tax-equivalent adjustment

107

206

134

Net interest income (tax-equivalent)

7,995

7,832

7,411

15,827

14,523

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Document and Entity Information

Jul. 28, 2026

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AUBURN NATIONAL BANCORPORATION, INC

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Document Period End Date

Jul. 28, 2026

Entity Incorporation State Country Code

Entity File Number

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Entity Tax Identification Number

63-0885779

Entity Address, Address Line One

100 North Gay Street

Entity Address, Address Line Two

P.O. Drawer 3110

Entity Address, City or Town

Auburn

Entity Address, State or Province

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36831-3110

City Area Code

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AUBN

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NASDAQ

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