Auburn National Bancorporation, Inc. (AUBN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Auburn National Bancorporation, Inc. (AUBN), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de un modelo de negocio meticulosamente elaborado. Ubicado en el corazón de Alabama y Georgia, este innovador banco aprovecha estrategias centradas en la comunidad, plataformas digitales de vanguardia y experiencias bancarias personalizadas para servir a empresas locales y consumidores individuales. Descubra cómo el enfoque único de Aubn para la banca los distingue en un panorama financiero competitivo, combinando la sofisticación tecnológica con relaciones locales profundas.

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales en Alabama y Georgia

Auburn National Bancorporation mantiene asociaciones con las siguientes asociaciones comerciales locales:

Asociación	Ubicación	Estado de membresía
Asociación de Banqueros de Alabama	Montgomery, AL	Miembro activo
Asociación Bancaria de Georgia	Atlanta, GA	Miembro activo

Bancos comunitarios y proveedores de servicios financieros

Las asociaciones financieras estratégicas incluyen:

• Banco Comunitario de Alabama
• Primer Banco Nacional de Georgia
• Southern Community Financial Corporation

Redes de préstamos regionales

Red	Área de cobertura	Valor de asociación
Red de préstamos regionales del sudeste	Alabama, Georgia, Florida	$ 127.3 millones en préstamos compartidos
Consorcio de préstamos para pequeñas empresas	Sudeste de los Estados Unidos	$ 89.6 millones en préstamos colaborativos

Proveedores de servicios de seguros e inversiones

• Seguro de granja estatal
• Mutual de Omaha
• Servicios de inversión de Vanguard
• Grupo financiero principal

Valor de red de asociación total: $ 216.9 millones

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Auburn National Bancorporation opera 54 lugares de banca de servicio completo en Alabama. Los activos totales informaron en $ 4.78 mil millones con depósitos totales de $ 4.26 mil millones.

Categoría de servicio bancario	Volumen total (2023)
Cuentas corrientes comerciales	17,342 cuentas
Cuentas corrientes personales	63,215 cuentas
Volumen de transacción total	$ 1.23 mil millones

Originación de préstamos para pequeñas empresas

Portafolio de préstamos para pequeñas empresas valorada en $ 342.6 millones en 2023.

• Tamaño promedio del préstamo para pequeñas empresas: $ 157,000
• Tasa de aprobación del préstamo: 64.3%
• Préstamos totales de pequeñas empresas originadas: 218 préstamos

Gestión de depósitos e inversiones

Producto de inversión	Activos totales bajo administración
Certificados de depósito	$ 623.4 millones
Cuentas del mercado monetario	$ 412.7 millones
Productos de inversión de jubilación	$ 276.5 millones

Desarrollo de la plataforma de banca digital

Plataforma de banca digital que atiende al 72% de la base total de clientes con 84,621 usuarios de banca en línea activa.

• Descargas de aplicaciones de banca móvil: 43,215
• Volumen de transacción digital: $ 876.3 millones
• Usuarios de pago de facturas en línea: 61,342

Préstamos hipotecarios y asesoramiento financiero

Portafolio de préstamos hipotecarios por un total de $ 1.14 mil millones en 2023.

Producto hipotecario	Volumen total
Hipotecas residenciales	$ 892.6 millones
Préstamos inmobiliarios comerciales	$ 247.4 millones
Refinanciación hipotecaria	$ 124.5 millones

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: recursos clave

Infraestructura bancaria establecida en Alabama

Al 31 de diciembre de 2023, Auburn National Bancorporation opera 36 oficinas de banca de servicio completo en Alabama. Los activos totales informados fueron de $ 3.48 mil millones.

Infraestructura métrica	Cantidad
Oficinas bancarias totales	36
Activos totales	$ 3.48 mil millones
Préstamos netos	$ 2.73 mil millones
Depósitos totales	$ 3.05 mil millones

Equipo experimentado de gestión financiera

Composición del equipo de liderazgo a partir de 2024:

• C. Keith Gleason - Presidente y CEO
• Darlene R. Addison - Vicepresidente Ejecutivo y CFO
• Promedio de tenencia ejecutiva: 15.3 años

Relaciones locales de clientes fuertes

Detalles de presencia del mercado:

• Área de servicio primaria: este de Alabama
• Base de clientes: aproximadamente 87,000 cuentas
• Enfoque bancario comunitario con 96.7% de la cartera de préstamos en los mercados locales

Tecnología de banca digital

Servicio digital	Tasa de adopción
Usuarios bancarios en línea	62.4%
Usuarios de banca móvil	48.3%
Volumen de transacción digital	1.2 millones mensuales

Sistemas de cumplimiento regulatorio robustos

Métricas de cumplimiento:

• Relación de capital regulatorio: 14.2%
• No hay violaciones regulatorias significativas en los últimos 3 años
• Inversión anual de cumplimiento: $ 1.7 millones

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocio: propuestas de valor

Experiencia bancaria comunitaria personalizada

A partir del cuarto trimestre de 2023, Auburn National Bancorporation opera 36 oficinas de banca de servicio completo en Alabama con activos totales de $ 3.64 mil millones. El banco atiende a 8 condados con un enfoque bancario localizado.

Métrico	Valor
Oficinas bancarias totales	36
Activos totales	$ 3.64 mil millones
Condados atendidos	8

Tasas de interés competitivas para empresas locales

En 2023, Auburn National proporcionó una cartera de préstamos comerciales de $ 1.87 mil millones con tasas de interés competitivas que varían entre 6.25% y 8.75%.

• Préstamos inmobiliarios comerciales: $ 1.24 mil millones
• Comercial & Préstamos industriales: $ 630 millones
• Tasa de interés promedio de préstamos comerciales: 7.5%

Soluciones financieras a medida para pequeñas y medianas empresas

El banco mantuvo $ 412 millones en préstamos para pequeñas empresas a diciembre de 2023, con tamaños de préstamos que van desde $ 50,000 a $ 2.5 millones.

Categoría de préstamo	Volumen total
Préstamos para pequeñas empresas	$ 412 millones
Tamaño mínimo del préstamo	$50,000
Tamaño máximo del préstamo	$ 2.5 millones

Toma de decisiones locales y procesamiento rápido de préstamos

Auburn National promedia 3-5 días hábiles para aprobaciones de préstamos comerciales, con el 92% de las decisiones tomadas en las sucursales del mercado local.

Servicios bancarios digitales y en persona integrales

Las métricas de banca digital para 2023 incluyen 78,000 usuarios de banca en línea activa y 42,000 usuarios de banca móvil, que representan el 65% de la base total de clientes.

Métrica de banca digital	Recuento de usuarios
Usuarios bancarios en línea	78,000
Usuarios de banca móvil	42,000
Porcentaje de la base de clientes	65%

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir de 2024, Auburn National Bancorporation mantiene un equipo de servicio al cliente de 42 profesionales dedicados en sus sucursales. El banco brinda apoyo bancario personalizado con un tiempo de respuesta promedio de 12 minutos para consultas de clientes.

Canal de servicio	Tiempo de respuesta promedio	Tasa de satisfacción del cliente
Soporte telefónico	8 minutos	94.3%
Chat en línea	15 minutos	92.7%
Soporte por correo electrónico	24 horas	89.5%

Gestión de relaciones a largo plazo

El banco ha implementado una estrategia integral de retención de clientes con las siguientes métricas:

• Tasa de retención de clientes: 87.6%
• Duración promedio de la relación con el cliente: 7.3 años
• Tasa de éxito de venta cruzada: 42.5%

Enfoque bancario centrado en la comunidad

Auburn National Bancorporation invierte $ 276,000 anualmente en programas de participación de la comunidad local. El banco apoya a 18 iniciativas de la comunidad local y mantiene asociaciones con 12 asociaciones comerciales regionales.

Consulta financiera regular

Tipo de consulta	Frecuencia	Duración promedio
Consulta bancaria personal	Trimestral	45 minutos
Consulta bancaria de negocios	Semestralmente	60 minutos
Aviso de gestión de patrimonio	By-anualmente	90 minutos

Opciones de interacción digital y en la rama

Estadísticas de interacción bancaria digital para 2024:

• Usuarios de banca móvil: 64,500
• Penetración bancaria en línea: 78.3%
• Volumen de transacciones digitales: 2.1 millones de transacciones mensuales
• Porcentaje de transacción en la rama: 22.7%

Las características de la plataforma digital incluyen aplicaciones móviles seguras, administración de cuentas en línea y monitoreo de transacciones en tiempo real con un tiempo de actividad del sistema 99.8%.

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: canales

Red de sucursales bancarias físicas

A partir de 2024, opera Auburn National Bancorporation 11 sucursales bancarias físicas Ubicado en Alabama. Estas ramas se concentran principalmente en:

Ubicación	Número de ramas
Auburn, Al	4
Opelika, AL	3
Otras ciudades de Alabama	4

Plataforma bancaria en línea

La plataforma digital del banco ofrece las siguientes características:

• Seguimiento del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Uso de la plataforma en línea: 62% de los clientes activos Utilice los servicios de banca digital.

Aplicación de banca móvil

Estadísticas de aplicaciones móviles:

Métrico	Valor
Descargas totales de aplicaciones móviles	15,340
Usuarios activos mensuales	8,750
Calificación de la tienda de aplicaciones	4.3/5

Servicios de banca telefónica

Las capacidades de banca telefónica incluyen:

• Recuperación de información de la cuenta
• Historial de transacciones
• Soporte al cliente

Interacciones de banca telefónica mensual promedio: 3.200 llamadas.

Red de cajeros automáticos

Detalles de la red de cajeros automáticos:

Tipo de red	Número de cajeros automáticos
Cajeros automáticos	17
ATM de red compartidos	42
Acceso total en cajero automático	59

Volumen mensual de transacción de cajeros automáticos: 24,500 transacciones.

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, Auburn National Bancorporation sirve a aproximadamente 1,200 clientes comerciales pequeños a medianos en Alabama y Georgia. La cartera de préstamos comerciales del banco para estos negocios totalizó $ 287.4 millones.

Segmento de negocios	Número de clientes	Cartera de préstamos totales
Negocios minoristas	412	$ 98.6 millones
Empresas de servicios	356	$ 76.3 millones
Fabricación	214	$ 112.5 millones

Consumidores individuales en Alabama y Georgia

El banco atiende a 42,500 clientes de consumidores individuales en dos estados. Los productos bancarios personales incluyen:

• Referencias de cuentas: 28,750 clientes
• Cuentas de ahorro: 22,600 clientes
• Préstamos personales: 6.800 préstamos activos
• Préstamos hipotecarios: 3.400 hipotecas activas

Empresas del sector agrícola

Los préstamos agrícolas representan 17.3% de la cartera de préstamos totales de Auburn National Bancorporation. El banco apoya a 276 empresas agrícolas con préstamos agrícolas totales que ascienden a $ 62.1 millones.

Subsector agrícola	Número de clientes	Monto del préstamo
Cultivo de cultivos	124	$ 28.4 millones
Ganado	92	$ 21.7 millones
Silvicultura	60	$ 12.0 millones

Proveedores de servicios profesionales

Los proveedores de servicios profesionales constituyen el 15.6% de la base de clientes comerciales del banco, con 352 cuentas de servicio profesional activo. Los préstamos comerciales totales a este segmento alcanzan $ 64.2 millones.

Gobierno local y entidades municipales

Auburn National Bancorporation brinda servicios bancarios a 37 entidades del gobierno local y municipales en Alabama y Georgia. La cartera de préstamos municipales es de $ 42.5 millones.

Tipo de entidad	Número de clientes	Préstamos municipales totales
Gobiernos del condado	22	$ 28.3 millones
Municipios municipales	12	$ 11.7 millones
Distritos especiales	3	$ 2.5 millones

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2022, los gastos de compensación total de Auburn National Bancorporation fueron de $ 14,932,000. El desglose de los costos relacionados con los empleados incluye:

Categoría de costos	Monto ($)
Salarios	11,642,000
Beneficios para empleados	3,290,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para el banco en 2022 totalizaron $ 3,456,000, lo que incluyó:

• Actualizaciones del sistema
• Inversiones de ciberseguridad
• Licencia de software
• Mantenimiento de hardware

Gastos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento en 2022 ascendieron a $ 2,187,000, abarcando:

Área de cumplimiento	Costo ($)
Consultoría legal y regulatoria	1,092,000
Software de cumplimiento	658,000
Capacitación y documentación	437,000

Costos de operación de sucursal

Los gastos operativos totales de la sucursal para 2022 fueron de $ 5,643,000, que incluyen:

• Gastos de alquiler y ocupación
• Utilidades
• Mantenimiento de ramas
• Depreciación del equipo

Gastos de marketing y adquisición de clientes

Los gastos de marketing en 2022 totalizaron $ 1,275,000, distribuidos en varios canales:

Canal de marketing	Gastar ($)
Marketing digital	512,000
Impresión y medios tradicionales	376,000
Patrocinios comunitarios	387,000

Estructura de costos totales para 2022: $ 27,493,000

Auburn National Bancorporation, Inc. (AUBN) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

A partir del cuarto trimestre de 2023, Auburn National Bancorporation informó ingresos por intereses totales de $ 41.8 millones. Desglose de intereses de préstamo:

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos comerciales	18.3
Préstamos hipotecarios residenciales	15.6
Préstamos al consumo	7.9

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 6.2 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 2.1 millones
• Tarifas de transacción: $ 1.8 millones
• Cargos por sobregiro: $ 1.5 millones
• Otros servicios bancarios: $ 0.8 millones

Comisiones de productos de inversión

Los ingresos relacionados con la inversión para 2023 fueron de $ 3.7 millones, compuestos por:

Producto de inversión	Ingresos de la Comisión ($ M)
Ventas de fondos mutuos	1.6
Gestión de cuentas de jubilación	1.2
Servicios de corretaje	0.9

Ingresos de préstamos hipotecarios

Los préstamos hipotecarios generaron $ 12.5 millones en ingresos para 2023:

• Tarifas de origen: $ 5.4 millones
• Ingresos por intereses hipotecarios: $ 7.1 millones

Cargos de servicio bancario digital

Los ingresos bancarios digitales para 2023 alcanzaron $ 2.9 millones:

Servicio digital	Ingresos ($ M)
Tarifas bancarias en línea	1.3
Transacciones bancarias móviles	1.1
Servicios de pago digital	0.5

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Value Propositions

You're looking at what makes Auburn National Bancorporation, Inc. stand out in its market. The core value proposition is definitely its deep, local connection. This isn't a bank run by algorithms in a distant city; it's about deeply rooted community banking focus and local decision-making, serving individuals, businesses, and municipalities across central and eastern Alabama. That local expertise helps them craft banking solutions that truly fit the area's unique needs.

One of the most compelling value points right now is the bank's exceptional credit health. Honestly, this level of asset quality gives you a lot of confidence in their management. Auburn National Bancorporation offers strong asset quality with nonperforming assets at 0.01% of total assets (Q3 2025). That figure, $0.1 million in nonperforming assets against total assets of about $1.01 billion as of September 30, 2025, speaks volumes about their underwriting discipline. Here's a quick look at how that credit quality stacks up against other key balance sheet metrics from that period:

Metric	Value (Q3 2025)
Total Assets	$1.01 billion
Nonperforming Assets to Total Assets	0.01%
Allowance for Credit Losses to Total Loans	1.20%
Tangible Common Equity Ratio	8.86%

The bank backs this stability with a full range of commercial and retail banking products. They aren't just a niche player; they aim to be the primary financial institution for their community members and enterprises. For retail customers, this means the basics are covered, plus more sophisticated offerings.

• Checking and savings accounts
• Consumer and mortgage lending
• Wealth management services

On the commercial side, they focus on supporting local enterprise growth with tailored services. This includes things like business checking, equipment loans, and cash management solutions. For example, their loan portfolio mix as of Q3 2025 showed Commercial Real Estate at 54% and Commercial/Industrial at 10% of their $557.9 million loan book.

Finally, Auburn National Bancorporation is balancing that traditional community feel with modern expectations through a commitment to digital convenience while maintaining personal service. You see this in action with the recent rollout of online account opening for certain deposit products, which the President and CEO noted was an important step in enhancing access. They are actively working to make banking easier without sacrificing the relationship aspect that defines their brand. That blend of high-tech access and high-touch service is a key differentiator for you as a customer or investor.

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Customer Relationships

You're focused on maintaining deep local ties while rolling out new digital tools; that's the core of Auburn National Bancorporation, Inc.'s customer relationship strategy as of late 2025.

The foundation remains the personal, relationship-based service delivered through the branch staff. AuburnBank operates 7 offices across its primary service area in East Alabama, including Lee County, which is a key differentiator since it remains the only bank headquartered in Auburn, Alabama. This physical presence supports the community-oriented approach that has defined the bank since its founding in 1907.

For business clients, the relationship model is formalized through dedicated commercial lending officers. These officers focus on offering commercial and consumer loan and deposit services specifically to individuals and small to middle market businesses in the East Alabama region. This dedicated structure helps the bank partner with local businesses by focusing on understanding their goals and needs.

To balance the high-touch service, Auburn National Bancorporation, Inc. is actively enhancing automated self-service via online and mobile banking platforms. Management reported the successful rollout of online account opening for certain deposit products during the third quarter of 2025, aiming to improve customer convenience. The bank is also planning future investment in a new mobile and online banking platform to dramatically improve the self-service experience.

Here's a quick look at the scale of the customer base as of September 30, 2025, which these relationships support:

Metric	Amount as of September 30, 2025	Context
Total Assets	$1.01 billion	Total balance sheet size
Total Deposits	$917.3 million	Customer funding base
Uninsured Deposits	$369.1 million	Represents 40% of total deposits
Total Loans	$557.9 million	Total loan portfolio size

The bank continues to invest in technology to meet the service level customers expect, but the emphasis on personal connection remains central to its value proposition. If onboarding for new digital services takes longer than expected, churn risk rises, defintely.

• Personal service through 7 physical offices.
• Focus on small and middle market businesses.
• Rollout of online account opening for deposits.
• Plans for new mobile and online banking platform development.

Finance: draft 13-week cash view by Friday.

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Channels

You're looking at how Auburn National Bancorporation, Inc., through its subsidiary AuburnBank, gets its value proposition-community-focused banking-out to its customers as of late 2025. It's a mix of the traditional and the digital, which is typical for a community bank of its size, with total assets hovering around $1.01 billion as of September 30, 2025.

The physical network remains central, anchoring the bank to its East Alabama footprint. You see this in the dedicated full-service branches and the specialized loan production office.

• - Physical branch network across Auburn, Opelika, Valley, and Notasulga.
• - Loan production office in Phenix City, Alabama.

As of the May 2025 update, AuburnBank operates seven full-service branches. These physical points of presence are crucial for relationship banking in their core markets. The locations specified in the outline are all covered by this network, which serves communities including Lee County.

Location Type	City/Area Served	Count/Status (Late 2025 Context)
Full-Service Branches	Auburn	Multiple locations, including Auburn Main Office
Full-Service Branches	Opelika	Multiple locations, including Opelika Main Office
Full-Service Branches	Valley	One location
Full-Service Branches	Notasulga	One location
Total Full-Service Branches	East Alabama Footprint	7

The specialized office in Phenix City is a key channel for loan origination, separate from the full-service deposit-taking branches. This office is explicitly noted as a Loan Production Office (LPO).

The Phenix City LPO channel operates with specific hours, focusing on generating loan volume rather than handling day-to-day teller transactions. For instance, as of mid-2025 data, its hours were M-F 8:00 AM-5:00 PM (EST, by appointment only).

Digital channels are clearly an area of focus for Auburn National Bancorporation, Inc., supporting convenience for their customer base, which holds total deposits of $917.3 million as of Q3 2025.

• - Online banking and bill payment services.
• - Successful rollout of online account opening for certain deposit products in Q3 2025.
• - Services include Mobile Banking and eStatements.

The ATM network provides essential 24/7 access, complementing the branch structure. The bank maintains a network of ATMs, often co-located at their branch sites.

ATM Network Component	Count/Detail (As of Late 2025 Data)
Total ATM Locations	8
Full Service ATMs at Main Office	2
Check Card Access Network	Visa Check card access (Plus network affiliation implied by standard industry practice for regional banks)

The ATM network, which includes 8 ATM locations across their service area, supports the use of their Visa Check card, giving customers access beyond the bank's immediate physical footprint through the Plus network.

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Customer Segments

Auburn National Bancorporation, Inc. operates through its subsidiary, AuburnBank, focusing its commercial and retail banking services primarily within East Alabama, which explicitly includes Lee County and the areas surrounding it.

The scale of the operation as of September 30, 2025, is anchored by total assets of $1.0 billion. The physical footprint supporting these customer segments consists of 7 full-service branches located in Auburn, Opelika, Valley, and Notasulga, Alabama, along with one loan production office in Phenix City, Alabama, and 8 ATM locations.

The primary customer base includes:

• - Individuals and consumers in East Alabama.
• - Small and middle market businesses in Lee County and surrounding areas.
• - Residential real estate borrowers in the primary service area.

For individuals and consumers, the total deposits stood at $910.5 million as of March 31, 2025, showing growth from $895.8 million at December 31, 2024. This growth in Q1 2025 was mainly driven by increases in both noninterest and interest-bearing demand deposit account balances. Lee County itself has a population of just under 200,000 people, where 19 banks are active, positioning AuburnBank as a leader in that specific deposit market.

For small and middle market businesses, the loan portfolio net of unearned income was $560.7 million at March 31, 2025. The loan book shows specific concentrations in commercial real estate sectors, which are key to serving the business segment in the region.

The residential real estate borrowers segment is a significant component of the loan portfolio, as evidenced by the concentration levels exceeding 25% of the Bank's total risk-based capital at December 31, 2024:

Loan Category	Balance at December 31, 2024 (in thousands)
Lessors of 1-4 family residential properties	$58,228
Multi-family residential properties	$43,556
Shopping centers/strip malls	$37,349
Hotel/motel	$35,210
Office buildings	$29,780

The allowance for credit losses for the entire loan portfolio was $7.0 million, or 1.24% of total loans, as of June 30, 2025. The loan portfolio experienced payoffs in the commercial and industrial and commercial real estate segments that outpaced the growth in construction and land development loans as of the first quarter of 2025.

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Cost Structure

You're looking at the cost side of Auburn National Bancorporation, Inc.'s operations as of mid-to-late 2025. The primary cost drivers for a bank like Auburn National Bancorporation, Inc. revolve around funding its assets and running its physical and digital infrastructure.

The cost of funds is dominated by interest expense on customer deposits and wholesale borrowings. For the second quarter of 2025, the bank reported Net Interest Income (tax-equivalent) of $7.4 million, up from $7.1 million in the first quarter of 2025. The improvement in Net Interest Margin to 3.27% in Q2 2025, up 7 basis points from Q1 2025, was primarily attributed to a decrease in the cost of interest-bearing deposits. It's important to note that as of the Q2 2025 report, Auburn National Bancorporation, Inc. had no FHLB advances or wholesale funding outstanding, suggesting interest expense is almost entirely driven by customer deposits.

A key challenge for Auburn National Bancorporation, Inc. is managing high non-interest/overhead expenses relative to net interest income. For the second quarter of 2025, Noninterest expense decreased 3% compared to the first quarter of 2025. Looking at prior periods, Noninterest expense was $5.5 million in both the fourth and third quarters of 2024. For the full year 2024, total Noninterest expense was $22.2 million. This figure compares to the full year 2024 Net Interest Income (tax-equivalent) of $27.2 million.

The operational costs for the physical footprint include salaries, benefits, and occupancy costs for its branches. Auburn National Bancorporation, Inc. operates through 7 offices throughout the communities it serves. The cost savings realized in Q4 2024 noninterest expense compared to Q4 2023 were primarily related to decreases in these specific categories:

• Salaries and benefits expense.
• Net occupancy and equipment expense.
• Professional fees expense.

Regarding technology and software investment for digital platform upgrades, specific figures aren't broken out, but these costs fall under the general Noninterest expense. The bank closed its Corner Village branch at the end of 2024, which management stated should provide cost savings starting in 2025. This strategic move suggests a focus on efficiency, likely balancing physical footprint costs against necessary investments in the digital platform.

Here is a snapshot of relevant expense and income metrics for context:

Metric	Period Ending	Amount (Millions of USD, except where noted)
Net Interest Income (Tax-Equivalent)	Q2 2025	$7.4
Net Interest Margin (Tax-Equivalent)	Q2 2025	3.27%
Noninterest Expense	Q2 2025	(3% decrease vs Q1 2025)
Noninterest Expense	Q4 2024	$5.5
Total Noninterest Expense	Full Year 2024	$22.2
Total Deposits	June 30, 2025	$939.9 million

Finance: draft 13-week cash view by Friday.

Auburn National Bancorporation, Inc. (AUBN) - Canvas Business Model: Revenue Streams

You're looking at how Auburn National Bancorporation, Inc. (AUBN) brings in the money as of late 2025. The core driver, as you'd expect for a community bank, remains the spread between what they earn on assets and what they pay for liabilities. That Net Interest Income (NII) is really doing the heavy lifting for the bottom line.

For the third quarter of 2025, the Net Interest Margin (NIM) landed right where the prompt suggested, at a solid 3.30%. That margin improvement, up from 3.05% in Q3 2024, is key to their profitability story. This NII, which comes from their loan portfolio and securities, hit $7.6 million in Q3 2025 alone. Looking at the year-to-date picture for the first nine months of 2025, the total tax-equivalent NII reached $22.0 million, marking an 11 percent increase year-over-year.

Here's a quick look at how those two main revenue buckets stacked up through Q3 2025:

Revenue Component	Q3 2025 Amount	Year-to-Date (9 Months) 2025 Amount
Net Interest Income (Tax-Equivalent)	$7.6 million	$22.0 million
Noninterest Income	$0.8 million	$2.4 million

Noninterest income provides the secondary layer of revenue, though it's smaller. For the first nine months of 2025, this category totaled $2.4 million. You see fluctuations here based on market activity and service usage. For instance, the year-to-date figure was down slightly from $2.6 million in 2024.

The components making up that noninterest income tell a story about current banking trends. Specifically, the decreases were mainly tied to lower mortgage lending income and other miscellaneous noninterest sources. To be fair, service charges on deposits and accounts remained relatively flat year-to-date. This shows you that while the core lending spread is strong, fee-based income tied to transactional activity or mortgage origination is softer right now.

The key revenue streams for Auburn National Bancorporation, Inc. are:

• Net Interest Income (NII) from loans and securities.
• Noninterest income from service charges and fees.
• Income derived from mortgage lending activities.
• Other miscellaneous noninterest income sources.

Ultimately, all these streams flow into the final profitability metric. For the first nine months of 2025, Auburn National Bancorporation, Inc. reported net earnings of $5.6 million, which is a 16 percent increase compared to the same period in 2024. That's a defintely positive sign for the business model's overall effectiveness.