AuburnBank

100 North Gay Street
Auburn, AL 36830

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35
Date Established 1907
Assets $0.84 billion
Loans $0.43 billion
Deposits $0.74 billion
Capital $0.09 billion

AuburnBank is an FDIC insured institution located in Auburn, AL. It was founded in 1907 and has approximately $0.84 billion in assets. Customers can open an account at one of its 10 branches.

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

Bank Loan Profile?

The top three loan types in AuburnBank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Alabama, AuburnBank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 25.66
Multifamily
Mortgages
10.88
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 14.73
Construction and Development Loans 10.33
Commercial Real Estate 36.87
Commercial and Industrial Loans 10.96
Farm Loans 0.14

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
6 Mo CD 10K
0.05% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.30% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
0.30% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.21% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.31% $25,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AuburnBank

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

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

Branches

AuburnBank 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


AuburnBank Locations

Financial Details

AuburnBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AuburnBank. 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
AuburnBank U.S. Bank Average
2.61% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, AuburnBank had $2,298,000 in non-current loans and $103,000 in owned real estate. To cover these potential losses it had $86,930,000 in equity and $4,965,000 in loans loss reserves. That gives it a Texas Ratio of 2.61%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
AuburnBank U.S. Bank Average
9.29% 8.58

AuburnBank has a Return on Equity of 9.29% versus the BestCashCow average of 8.58. 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
AuburnBank U.S. Bank Average
10.39% 12.11

AuburnBank has a Capitalization of 10.39% versus the BestCashCow average of 12.11. 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.

AuburnBank Balance Sheet Analysis

As of June 30, 2017, AuburnBank had assets of $836,971,000, loans of $433,758,000, and deposits of $744,528,000. 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.

Frequently Asked Questions About AuburnBank

Branches and Savings

Is AuburnBank FDIC insured?

Yes. It is covered under FDIC Certificate #35.

Why does AuburnBank pay such low interest on savings accounts?

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

Why are AuburnBank CD rates not competitive?

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

Is AuburnBank a commercial bank?

Yes

Where are AuburnBank locations?

See branch locations nearby.

Is AuburnBank open on Saturdays?

Is AuburnBank open on Sundays?

What time does AuburnBank open?

What time does AuburnBank close?

Are AuburnBank ATMs Open 24/7?

Do AuburnBank ATMs accept cash deposits?

Can AuburnBank customers use other ATMs?

Do AuburnBank branches have notaries?

Will AuburnBank notarize my document?

What address for AuburnBank should I put for incoming ACH transfers?

Will the AuburnBank branch print checks?

Do AuburnBank checks expire?

Does AuburnBank require US citizenship to open account?

Can AuburnBank close my account?

Does AuburnBank Report to credit bureaus?

Does AuburnBank Use Equifax?

What is AuburnBank's ACH Routing Number?

What is AuburnBank's SWIFT code?

Products

Does AuburnBank offer mortgages?

Compare mortgage rates here.

Does AuburnBank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does AuburnBank offer personal loans?

Compare personal loan rates here.

Does AuburnBank offer student loans?

Will AuburnBank cash a check?

Will AuburnBank redeem a savings bond?

Does AuburnBank cash savings bonds?

Will AuburnBank cash money orders?

Can AuburnBank issue a money order?

Does AuburnBank do currency exchange?

Background on The Bank

Who owns AuburnBank?

How long has AuburnBank been around?

Can AuburnBank transfer to other banks?

Does AuburnBank have quick pay?

Does AuburnBank accept rolled coins?

Will AuburnBank accept loose change?

Where is AuburnBank headquarters?

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