AuburnBank

100 North Gay Street
Auburn, AL 36830

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35
Date Established 1907
Assets $0.85 billion
Loans $0.43 billion
Deposits $0.75 billion
Capital $0.09 billion

AuburnBank is an FDIC insured institution located in Auburn, AL. It was founded in 1907 and has approximately $0.85 billion in assets. Customers can open an account via 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 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 26.96
Multifamily
Mortgages
10.12
Credit Card Loans 0.00
Consumer Auto Loans 0.25
Small Business Loans 15.12
Construction and Development Loans 11.44
Commercial Real Estate 35.35
Commercial and Industrial Loans 10.81
Farm Loans 0.14

Savings 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
Special: 11 Mo CD 0.30% $500 - Learn MoreShow Less
12 Mo CD 10K 0.30% $500 - Learn MoreShow Less
18 Mo CD 10K 0.40% $500 - Learn MoreShow Less
24 Mo CD 10K 0.50% $500 - Learn MoreShow Less
36 Mo CD 10K 0.65% $500 - Learn MoreShow Less
48 Mo CD 10K 0.70% $500 - Learn MoreShow Less
60 Mo CD 10K 1.00% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.20% $1 - Learn MoreShow Less
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

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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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
AuburnBank U.S. Bank Average
2.07% 9.11%

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, 2016, AuburnBank had $1,669,000 in non-current loans and $300,000 in owned real estate. To cover these potential losses it had $90,390,000 in equity and $4,528,000 in loans loss reserves. That gives it a Texas Ratio of 2.07%. 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
9.65% 9.45%

AuburnBank has a Return on Equity of 9.65% versus the BestCashCow average of 9.45%. 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
10.67% 11.28%

AuburnBank has a Capitalization of 10.67% versus the BestCashCow average of 11.28%. 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, 2016, AuburnBank had assets of $846,821,000, loans of $427,733,000, and deposits of $749,789,000. 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.

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