BlastPoint's Banking Scorecard
AuburnBank
Community
Specialty: Commercial
AL
FDIC cert 35
Auburn, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
AuburnBank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Community
- - Loan-to-Deposit Ratio 22.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+4.2% YoY
+0.8% QoQ
|
-$373.2M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$558.4M
+0.2% YoY
+1.3% QoQ
|
-$417.1M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$923.7M
+3.0% YoY
+0.6% QoQ
|
-$241.0M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.74%
+11.1% YoY
-3.1% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.28%
+6.5% YoY
+1.1% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
69.19%
-3.4% YoY
-2.0% QoQ
|
+6.56% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.09%
+3.8% YoY
+396.6% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
60.45%
-2.7% YoY
+0.7% QoQ
|
-22.61% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.14%
-0.5% YoY
-0.3% QoQ
|
+8.10% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.05%
-0.3% YoY
+399.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
16.06%
+8.4% YoY
+3.5% QoQ
|
+5.81% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.30%
-14.0% YoY
+30.7% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#87 of 371 · Top 23% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#28 of 808 · Bottom 3% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
60.45%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.14% · Tier avg: 21.05%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
55
55th pctile
Total Deposits
Current: $923.7M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $558.4M · Tier avg: $975.5M
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
29
29th pctile
Efficiency Ratio
Current: 69.19% · Tier avg: 62.63%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.45% · Tier avg: 83.06%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 60.45% · Tier avg: 83.06%
21
21th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.16%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
29
29th pctile
Efficiency Ratio
Current: 69.19% · Tier avg: 62.63%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
38
38th pctile
Total Loans
Current: $558.4M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
55
55th pctile
Total Deposits
Current: $923.7M · Tier avg: $1.2B
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.14% · Tier avg: 21.05%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.06% · Tier avg: 10.24%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%