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Auburn National Bancorporation (AUBN) guidance and outlook

Auburn National Bancorporation's 10-Q filed Nov 6, 2026 makes 11 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 6, 2026

• This discussion is intended to supplement and highlight information contained in the accompanying unaudited condensed consolidated financial statements and related notes for the quarters and nine months ended September 30, 2026 and 2025, as well as the information contained in our annual report on Form 10-K for the year ended December 31, 2025 and our interim reports on Form 10-Q for the quarters ended March 31,…
• Our ability to compete and manage our deposit costs until our interest-earning assets reprice and we generate new loans with current market interest rates will be important to our net interest margin during the remainder of 2026.
• Our allowance for credit losses reflects an amount we believe appropriate, based on our allowance assessment methodology, to adequately cover all expected credit losses as of the date the allowance is determined.
• The decrease from December 31, 2025 was primarily due to refinements in the Company’s calculation of current expected credit losses (“CECL”).
• During the first quarter of 2026, the Company established a new loan segment within its CECL calculation for municipal loans, which reduced the allowance for credit losses due to lower expected credit losses associated with these loans.
• The Company discontinues the accrual of interest income when (1) there is a significant deterioration in the financial condition of the borrower and full repayment of principal and interest is not expected or (2) the principal or interest is 90 days or more past due, unless the loan is both well-secured and in the process of collection.
• For changes up or down in rates from management’s flat interest rate forecast over the next 12 months, policy limits for net interest income variances are as follows:
• Each of the above analyses may not, on its own, be an accurate indicator of how our net interest income will be affected by changes in interest rates.
• The Company seeks to manage its liquidity to manage or reduce its costs of funds by maintaining liquidity believed adequate to meet its anticipated funding needs, while balancing against excessive liquidity that likely would reduce earnings due to the cost of foregoing alternative higher-yielding assets.
• Management believes that the Company and the Bank have adequate sources of liquidity to meet all their respective known contractual obligations and unfunded commitments, including loan commitments and reasonably expected borrower, depositor, and creditor requirements over the next twelve months.
• We maintain ongoing communications with our mortgage purchasers and will continue to evaluate this exposure by monitoring the level and number of repurchase requests as well as the delinquency rates in our investor portfolios.

Auburn National Bancorporation's latest quarter

Questions

What does Auburn National Bancorporation expect?

This discussion is intended to supplement and highlight information contained in the accompanying unaudited condensed consolidated financial statements and related notes for the quarters and nine months ended September 30, 2026 and 2025, as well as the information contained in our annual report on Form 10-K for the year ended December 31, 2025 and our interim reports on Form 10-Q for the quarters ended March 31,… Our ability to compete and manage our deposit costs until our interest-earning assets reprice and we generate new loans with current market interest rates will be important to our net

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.