100 North Gay Street
Auburn, AL 36830

Notable Rates APY Vs.Others
Savings 0.20% 2.20% →
1-Year CD 0.50% 2.20% →
2-Year CD 0.50% 2.20% →
5-Year CD 1.00% 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

AuburnBank is an FDIC insured institution located in Auburn, AL. It was founded in 1907 and has approximately $0.83 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 35
Date Established 1907
Assets $0.83 billion
Loans $0.46 billion
Deposits $0.73 billion
Capital $0.10 billion

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

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.21% $2,500 $24,999 Learn MoreShow Less
Money Market
0.31% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.05% $500 - Learn MoreShow Less
6 Mo CD
0.05% $500 - Learn MoreShow Less
Special: 11 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.50% $500 - Learn MoreShow Less
36 Mo CD
0.65% $500 - Learn MoreShow Less
48 Mo CD
0.70% $500 - Learn MoreShow Less
60 Mo CD
1.00% $500 - Learn MoreShow Less

Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
0.50% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - February 28, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.156% 3.125% 0.38 $978 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to AuburnBank
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AuburnBank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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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 are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AuburnBank U.S. Bank Average
0.27% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, AuburnBank had $268,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $95,351,000 in equity and $4,807,000 in loans loss reserves. That gives it a Texas Ratio of 0.27%.

Return on Equity
AuburnBank U.S. Bank Average
10.34% 9.72%

AuburnBank has a Return on Equity of 10.34% 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.

AuburnBank U.S. Bank Average
11.55% 12.89%

AuburnBank has a Capitalization of 11.55% 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.

AuburnBank Balance Sheet Analysis

As of September 30, 2019, AuburnBank had assets of $825,744,000, loans of $461,372,000, and deposits of $725,203,000. 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
Cash & Balances due from depository institutions $0.06 billion
Interest-bearing balances $0.05 billion
Total securities $0.25 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.46 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 $0.02 billion
     Total Assets $0.73 billion
Total deposits $0.73 billion
      Interest-bearing deposits $0.52 billion
      Deposits held in domestic offices $0.73 billion
      % insured (estimated) 64.80%
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 $0.73 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

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

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.86
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 0.00
Construction and Development Loans 8.88
Commercial Real Estate 45.30
Commercial and Industrial Loans 8.16
Farm Loans 0.10

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?


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?


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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