Auburn Banking Company

218 W. Main Street
Auburn, KY 42206

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.30% 2.25% →
2-Year CD 0.45% 2.30% →
5-Year CD 0.92% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Auburn Banking Company is an FDIC insured institution located in Auburn, KY. It was founded in 1929 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 284
Date Established 1929
Assets $0.08 billion
Loans $0.06 billion
Deposits $0.07 billion
Capital $0.01 billion
 

For a more detailed analysis of Auburn Banking Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 26, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $2,500 - Learn MoreShow Less
6 Mo CD
0.20% $2,500 - Learn MoreShow Less
12 Mo CD
0.30% $500 - Learn MoreShow Less
18 Mo CD
0.40% $500 - Learn MoreShow Less
24 Mo CD
0.45% $500 - Learn MoreShow Less
30 Mo CD
0.50% $500 - Learn MoreShow Less
48 Mo CD
0.80% $500 - Learn MoreShow Less
60 Mo CD
0.92% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.40% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - January 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Auburn Banking Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.384% 3.375% 0.13 $285 $1,106 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Auburn Banking Company
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Auburn Banking Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Auburn Banking Company Locations


Financial Details

Auburn Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Auburn Banking Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Auburn Banking Company U.S. Bank Average
6.25% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Auburn Banking Company had $491,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,387,000 in equity and $475,000 in loans loss reserves. That gives it a Texas Ratio of 6.25%.

Return on Equity
Auburn Banking Company U.S. Bank Average
21.06% 9.72%

Auburn Banking Company has a Return on Equity of 21.06% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Auburn Banking Company U.S. Bank Average
9.12% 12.89%

Auburn Banking Company has a Capitalization of 9.12% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Auburn Banking Company Balance Sheet Analysis

As of September 30, 2019, Auburn Banking Company had assets of $81,007,000, loans of $56,329,000, and deposits of $69,985,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 89.93%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Auburn Banking Company’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Kentucky, Auburn Banking Company has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.65
Multifamily
Mortgages
5.86
Credit Card Loans 0.00
Consumer Auto Loans 2.51
Small Business Loans 0.00
Construction and Development Loans 3.94
Commercial Real Estate 16.91
Commercial and Industrial Loans 8.21
Farm Loans 5.85

Frequently Asked Questions About Auburn Banking Company

Branches and Savings

Is Auburn Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #284.

Why does Auburn Banking Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Auburn Banking Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Auburn Banking Company a commercial bank?

Yes

Where are Auburn Banking Company locations?

See branch locations nearby.

Is Auburn Banking Company open on Saturdays?

Is Auburn Banking Company open on Sundays?

What time does Auburn Banking Company open?

What time does Auburn Banking Company close?

Are Auburn Banking Company ATMs Open 24/7?

Do Auburn Banking Company ATMs accept cash deposits?

Can Auburn Banking Company customers use other ATMs?

Do Auburn Banking Company branches have notaries?

Will Auburn Banking Company notarize my document?

What address for Auburn Banking Company should I put for incoming ACH transfers?

Will the Auburn Banking Company branch print checks?

Do Auburn Banking Company checks expire?

Does Auburn Banking Company require US citizenship to open account?

Can Auburn Banking Company close my account?

Does Auburn Banking Company Report to credit bureaus?

Does Auburn Banking Company Use Equifax?

What is Auburn Banking Company's ACH Routing Number?

What is Auburn Banking Company's SWIFT code?

Products

Does Auburn Banking Company offer mortgages?

Compare mortgage rates here.

Does Auburn Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Auburn Banking Company offer personal loans?

Compare personal loan rates here.

Does Auburn Banking Company offer student loans?

Will Auburn Banking Company cash a check?

Will Auburn Banking Company redeem a savings bond?

Does Auburn Banking Company cash savings bonds?

Will Auburn Banking Company cash money orders?

Can Auburn Banking Company issue a money order?

Does Auburn Banking Company do currency exchange?

Background on The Bank

Who owns Auburn Banking Company?

How long has Auburn Banking Company been around?

Can Auburn Banking Company transfer to other banks?

Does Auburn Banking Company have quick pay?

Does Auburn Banking Company accept rolled coins?

Will Auburn Banking Company accept loose change?

Where is Auburn Banking Company headquarters?

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