Auburn National Bank

What Auburn National Bank does

Auburn National Bancorporation, Inc. (NASDAQ: AUBN) is a bank holding company headquartered in Auburn, Alabama, that operates through its wholly-owned subsidiary AuburnBank, a state-chartered community bank established in 1907. AuburnBank serves individual consumers, small and medium businesses, commercial real estate investors, and home buyers across East Alabama through seven full-service branches located in Auburn, Opelika, Phenix City, Valley, Notasulga, Bent Creek, and South Donahue. The bank has maintained continuous operations for over 120 years and has paid consecutive dividends for 32 years, with total assets of approximately $1.1 billion and total deposits of $988.3 million as of June 30, 2026.

The company offers a comprehensive suite of traditional banking products organized across three core segments: Personal Banking (checking, savings, CDs, IRAs, personal and auto loans, mortgages, home equity lines, and credit cards), Business Banking (commercial checking, business loans, commercial real estate financing, lines of credit, merchant services, and treasury management including ACH, wire transfers, remote deposit capture, and Positive Pay fraud protection), and Mortgage Lending (fixed rate, adjustable rate, construction loans, and refinancing) supported by in-house processing and servicing. Digital infrastructure consists of a mobile banking application on iOS and Android and online banking built on the third-party NetTeller platform, with supplementary capabilities including mobile deposit, online bill pay, and eStatements. The bank issues its credit cards through ServisFirst Bank and partnered with Greenlight in January 2026 to offer a complimentary family finance application to its customers.

Revenue is generated primarily through net interest income (Q2 2026 net interest margin of 3.33%) on loans and investment securities, supplemented by transaction-based fees from banking services, credit card interchange, merchant services, and treasury management. The go-to-market model is traditional relationship banking, emphasizing local decision-making, in-house underwriting, experienced lending officers deployed across multiple branch markets, and community involvement through partnerships with United Way, Habitat for Humanity, and the Food Bank of East Alabama. Commercial accounts use analysis-based pricing tied to a 90-day T-Bill index earnings credit, while consumer products employ subscription and unit pricing structures.

Name

Auburn National Bank

Legal name

Auburn National Bancorporation, Inc.

Website

https://auburnbank.com

Company type

Public

Founded year

1907

Operating status

Operating

Headcount range

101–250 employees

Short description

Auburn National Bancorporation (NASDAQ: AUBN) is a bank holding company operating AuburnBank, a community bank founded in 1907 with seven branches across East Alabama serving consumers, small businesses, and commercial real estate investors with traditional banking, mortgage, and treasury management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Commercial lending
• Residential mortgage lending
• Treasury management
• Consumer deposit accounts

Headquarters

HQ city

Auburn

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans (mortgages, commercial loans, consumer loans) and investment securities, offset by interest paid on deposits. Q2 2026 net interest margin of 3.33%.
2. Banking Fees and Service Charges: Various fees including maintenance fees, transaction fees, wire transfer fees, and analysis charges on commercial accounts
3. Credit Card Revenue: Interchange income from credit card transactions on both personal and business credit cards issued through ServisFirst Bank
4. Merchant Services Revenue: Discount rate fees from business merchants for processing credit and debit card transactions
5. Dividend Income: Company has maintained 32 consecutive years of dividend payments, indicating stable shareholder return policy

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels3 records

Core offering

Auburn National Bank, operating through its subsidiary AuburnBank, is a state-chartered community bank providing a full range of banking products and services to retail and commercial customers across East Alabama. Core offerings include consumer deposit accounts (checking, savings, CDs, IRAs), consumer loans (mortgages, home equity, auto, personal), business banking (commercial checking, business loans, commercial real estate, lines of credit), treasury management (ACH, wire transfers, positive pay, remote deposit capture), merchant services, and digital banking channels via online and mobile platforms.

Product overview

AuburnBank is a regional community bank headquartered in Auburn, Alabama, operating as a subsidiary of Auburn National Bancorporation (NASDAQ: AUBN). The bank offers a comprehensive suite of traditional banking products and services organized across three main segments: Personal Banking (checking, savings, CDs, IRAs, personal loans, auto loans, mortgages, home equity products, and credit cards), Business Banking (commercial checking, business loans, commercial real estate financing, lines of credit, merchant services, and treasury management solutions including ACH, wire transfers, remote deposit capture, and positive pay), and Mortgage Lending (fixed rate, adjustable rate, construction loans, and refinancing through an in-house mortgage division). Digital banking capabilities include AuburnBank Online Banking, Mobile Banking with mobile deposit, Online Bill Pay, and eStatements. The bank also offers supplementary services including financial planning calculators, safe deposit boxes, and a Greenlight SELECT partnership for family financial literacy. AuburnBank serves customers across East Alabama through seven full-service branches and emphasizes local decision-making with in-house loan processing and servicing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking accounts offering various features including debit cards with Visa Secure protection, online bill pay, and mobile banking access for individual consumers.
• Personal Savings Accounts Personal savings accounts providing a secure way to save with competitive interest rates and easy access to funds for individual consumers.
• Certificates of Deposit (CDs) Time deposits with fixed terms and rates, offering a secure investment option for individual consumers seeking predictable returns.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts available in traditional and Roth varieties for individual consumers.
• Personal Loans Unsecured loans for personal expenses including debt consolidation, home improvements, and major purchases for individual consumers.
• Auto Loans Financing solutions for purchasing new or used vehicles with competitive rates and flexible terms for individual consumers.
• Mortgages Home purchase financing including fixed rate loans, adjustable rate loans, and construction loans with in-house processing and servicing for individual consumers and home buyers.
• Home Equity Lines of Credit Revolving credit lines secured by home equity, allowing homeowners to access funds for various purposes with potential tax-deductible interest.
• AuburnBank Online Banking Digital banking platform providing 24/7 access to account balances, transaction history, fund transfers, bill payment, and eStatements for individual consumers.
• AuburnBank Mobile Banking Mobile application for smartphones and tablets enabling account access, mobile deposits, transfers, and branch/ATM location finder for individual consumers.
• AuburnBank Platinum Cash Back Rewards Credit Card Personal credit card with cash back rewards, no annual fee (with waivers), and variable APR based on Prime Rate for individual consumers.
• Business Checking Accounts Commercial analysis banking and small business checking accounts with analysis-based pricing or minimum balance requirements for business customers.
• Business Savings Accounts Business savings accounts with low minimum opening deposits, quarterly interest credit, and free electronic statements for business customers.
• Business Loans Commercial financing including term loans and lines of credit for working capital, growth, inventory, real estate, and equipment for business customers.
• Commercial Real Estate Loans Financing for commercial properties including apartments, shopping centers, hotels, warehouses, and manufacturing facilities with in-house decision-making for commercial real estate investors and owners.
• Commercial Lines of Credit Revolving credit facilities for managing cash flow with flexible terms, competitive rates, and secured or unsecured options for business customers.
• Merchant Services Payment processing solutions enabling merchants to accept VISA, MasterCard, American Express, and Discover cards with next-day deposit for business customers.
• Business Online Banking Digital banking platform for businesses providing account management, fund transfers, statement viewing, and address changes for a monthly fee.
• ACH Services Electronic funds transfer service for direct deposit, payroll processing, and accounts payable/receivable management for business customers.
• Wire Transfers Electronic transfer service for moving funds between financial institutions domestically and internationally with defined fee schedules.
• Remote Deposit Capture Desktop scanner-based service allowing businesses to deposit checks remotely by scanning and transmitting deposits through secure internet.
• Positive Pay - Debit Block Treasury management fraud protection service matching issued checks against presented items and flagging exceptions for review.
• AuburnBank Business Credit Cards Business credit card with Platinum Benefits or Cash Back Rewards options, issued through ServisFirst Bank for business customers.
• Safe Deposit Boxes Secure storage rental service for valuables and important documents available in multiple sizes at branch locations.
• Mortgage Refinancing Mortgage refinancing services allowing homeowners to replace existing loans with new ones for rate reduction or term changes.

Quantifiable outcome

• Q2 2026 net earnings of $2.3 million, up 27% from Q2 2025
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• GreenlightminorGTM or Marketing Partner · 1 January 2026AuburnBank has partnered with Greenlight to offer customers complimentary subscriptions to Greenlight's family finance mobile app and debit card for kids and teens. Customers are eligible for the Greenlight SELECT plan at no cost when connecting their AuburnBank account as the funding source. The partnership provides financial literacy tools for families and serves as a customer retention and acquisition tool.

Scale indicators11 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• ServisFirst Bancshares: Alabama-headquartered community bank (~$18B in assets) offering a comparable suite of commercial, retail, and mortgage banking products. ServisFirst is referenced in the AuburnBank dataset as the issuing bank for AuburnBank's credit cards, evidencing direct overlap in business model and regional focus.
• Renasant Corporation: Mississippi-headquartered community bank with substantial Alabama and Southeast footprint (~$25B assets). Similar relationship-driven community banking model, comparable deposit-gathering and commercial real estate lending focus, and overlapping target customer base in Alabama markets.
• Capital City Bank Group: Florida-based community bank explicitly cited in AuburnBank's revenue comparison dataset ($32.79M vs CCBG's $248.19M). Operates a near-identical community banking model targeting individuals and small/mid-sized businesses, making it one of the most directly comparable peer benchmarks.
• Pinnacle Financial Partners: Tennessee-headquartered community bank (~$50B assets) widely regarded for its relationship-driven commercial banking model and high-touch local decision-making — directly analogous to AuburnBank's positioning in East Alabama, just at larger scale.
• Stock Yards Bancorp: Kentucky-based community bank (~$8B assets) with a comparable product mix spanning commercial banking, mortgage, and wealth services. Similar mid-sized community banking focus and disciplined underwriting culture make it a strong small-cap peer benchmark.
• SmartFinancial: Tennessee-based community bank (~$5B assets) with similar balance-sheet size and product breadth to AuburnBank. Operates a comparable model serving individuals and small businesses in the Southeast, making it a close size-and-strategy peer.
• Tompkins Financial: Mid-sized community bank (~$8B assets) operating a relationship-driven model similar to AuburnBank's, with comparable product breadth across commercial, retail, and mortgage banking. Useful as a small-cap community bank benchmark with similar asset quality focus.

Broad incumbents

• Trustmark Corporation: Larger Mississippi-based regional bank (~$18B assets) operating across the Southeast, including Alabama. Overlaps with AuburnBank on commercial banking, mortgage lending, and deposit-gathering but offers a much broader product set including wealth management.
• Regions Financial: Major Southeast regional bank headquartered in Birmingham, Alabama (~$160B assets). Dominant player in many of the same East Alabama markets AuburnBank serves; competes directly for deposits, consumer loans, and small-business banking customers with superior scale and digital capabilities.
• Cadence Bank: Mid-sized Southeast regional bank (~$50B assets) formed through the merger of BancorpSouth and Cadence. Competes with AuburnBank in commercial banking, treasury management, and small-business services across overlapping Alabama and Georgia markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Auburn National Bank