Auburn National Q4 net income falls as loan loss provisions rise

Auburn National Bancorporation

27/01/2026 13:10

Overview

Alabama bank's Q4 net income decreased yr/yr, EPS increased for full year

Company's net interest margin improved to 3.32% in Q4, driven by asset yields

Provision for credit losses increased due to two loan relationships

Outlook

Company expects improved loan growth in 2026

Company continues progress on digital banking initiatives

Result Drivers

NET INTEREST INCOME - Increased due to improved net interest margin, driven by higher yields on assets and lower deposit costs

CREDIT LOSS PROVISION - Increased due to two loan relationships, impacting overall financial performance

NONINTEREST EXPENSE - Decreased from previous quarter due to lower salaries, benefits, and occupancy costs

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 EPS
$0.48
Q4 Net Income
$1.67 mln
Q4 Net Interest Income
$7.73 mln
Q4 Credit Loss Provision
$783,000
Q4 Net Interest Margin
3.32%


Press Release: ID:nGNXlprx

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)