AUBURN NATIONAL BANCORPORATION, INC — Form 8-K

Auburn National Bancorporation (AUBN, ~$55.3M market cap) reported Q2 2026 net earnings of $2.3M ($0.66/share), up 27% from Q2 2025's $1.8M ($0.52/share). Net interest margin expanded 15 bps to 3.33%; net interest income (tax-equivalent) rose 8% to $8.0M. The company recorded a negative provision for credit losses of $248K (vs. $113K charge in Q2 2025), with nonperforming assets at a minimal 0.01% of assets. Total assets grew to $1.085B; stockholders' equity $93.9M ($26.91/share). One Q1 charge-off of $402K was noted. A $400K loss contingency accrual was recorded in Q2 with insurance carrier notification; no recovery recognized. Deposits grew to $988.3M, driven partly by $82.3M in reciprocal deposits. Return on assets (annualized) improved to 0.90% from 0.74% YoY.