132 N Gay St
Auburn, AL 36830
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Notable Rates APY Vs.Others
Savings 0.20% 0.65% →
1-Year CD 0.30% 0.70% →
2-Year CD 0.30% 0.75% →
5-Year CD 0.70% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

AuburnBank is an FDIC insured institution located in Auburn, AL. It was founded in 1907 and has approximately $0.99 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 35
Date Established 1907
Assets $ 992.95 million
Loans $ 457.48 million
Deposits $ 884.69 million
Capital $ 99.51 million

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 - July 24, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
0.20% $1 - Learn More
Money Market
0.21% $2,500 $24,999 Learn More
Money Market
0.31% $25,000 $99,999 Learn More
6 Mo CD
0.05% $500 - Learn More
12 Mo CD
0.30% $500 - Learn More
18 Mo CD
0.30% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
36 Mo CD
0.45% $500 - Learn More
48 Mo CD
0.45% $500 - Learn More
60 Mo CD
0.70% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - July 24, 2021

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.465% 3.375%
0.63 points
$2,812 fees
$1,106 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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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San Diego,California

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
0.74% 5.29%

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 March 31, 2021, AuburnBank had $783,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $99,507,000 in equity and $5,682,000 in loans loss reserves. That gives it a Texas Ratio of 0.74%.

Return on Equity
AuburnBank U.S. Bank Average
7.36% 11.43%

AuburnBank has a Return on Equity of 7.36% versus the BestCashCow average of 11.43%. 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
10.02% 11.51%

AuburnBank has a Capitalization of 10.02% versus the BestCashCow average of 11.51. 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 March 31, 2021, AuburnBank had assets of $992,951,000, loans of $457,475,000, and deposits of $884,690,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 85.58 million
Interest-bearing balances $ 70.15 million
Total securities $ 359.63 million
Federal funds sold and reverse repurchase $ 35.99 million
Net loans and leases $ 457.48 million
Loan loss allowance $ 5.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.32 million
All other assets $ 24.82 million
     Total Assets $ 893.44 million
Total deposits $ 884.69 million
      Interest-bearing deposits $ 614.72 million
      Deposits held in domestic offices $ 884.69 million
      % insured (estimated) 62.08%
Federal funds purchased and repurchase agreements $ 3.34 million
Trading liabilities N.A.
Other borrowed funds $ 0.78 million
Subordinated debt N.A.
All other liabilities $ 4.63 million
      Total Liabilities $ 893.44 million
      Shareholders’ Equity $ 99.51 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 6.62 million
Total Interest Expense $ 0.67 million
Net interest income $ 5.94 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.15 million
Total non interest expense $ 4.83 million
Pre-tax Net Operating Income $ 2.26 million

Bank Loan Profile?

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

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.82
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 0.00
Construction and Development Loans 6.63
Commercial Real Estate 43.84
Commercial and Industrial Loans 13.55
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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