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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Auburn, NE · FDIC certificate #11477
AUBURN STATE BANK is an FDIC-insured institution based in Auburn, NE (FDIC certificate #11477). In its Q3 2026 Call Report it reported total assets of $239M, total deposits of $208M and net loans of $110M. Its primary federal regulator is FED.
Plain-language readout
AUBURN STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $251M in Q2 2026 and were lowest at $239M in Q3 2026.
Total deposits were highest at $218M in Q1 2026 and lowest at $208M in Q3 2026.
Over the whole period total assets fell 4.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $239M | $208M | $110M | 1.21% | 10.09% | 2.84% |
| Q2 2026 | $251M | $217M | $108M | 1.19% | 9.79% | 2.80% |
| Q1 2026 | $250M | $218M | $109M | 1.15% | 9.58% | 2.70% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.9M | $18.1M | +$4.8M | +26.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $106.7M | $109.6M | -$2.8M | -2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $108.1M | $109.2M | -$1.0M | -1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | -$22K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.1M | $10.9M | +$206K | +1.9% |
| Total assets | $251.3M | $250.2M | +$1.1M | +0.4% |
| Liabilities | ||||
| Total deposits | $216.9M | $217.8M | -$879K | -0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.8M | $1.8M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$42K | +3.6% |
| Total liabilities | $220.0M | $220.8M | -$837K | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.2M | $1.2M | +$1K | +0.1% |
| Surplus | $1.6M | $1.6M | $0K | 0.0% |
| Retained earnings | $36.5M | $35.8M | +$775K | +2.2% |
| Accumulated other comprehensive income | -$7.9M | -$9.1M | +$1.2M | +13.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.4M | $29.4M | +$2.0M | +6.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $32.8M | $30.8M | +$1.9M | +6.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 15.07% | 14.44% | +0.62 pts | See points |
| Construction and land loans to total capital | 4.37% | 3.38% | +0.99 pts | See points |
| Commercial real estate to total capital | 28.78% | 28.42% | +0.36 pts | See points |
| Dividend payout, year to date | 96.93% | 200.69% | -103.76 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -25.55% | -29.95% | +4.40 pts | See points |
| Liquidity | ||||
| Core deposits | $164.6M | $164.4M | +$189K | +0.1% |
| Non-core funding | $54.2M | $55.3M | -$1.1M | -1.9% |
| Loans to core deposits | 66.57% | 67.29% | -0.72 pts | See points |
| Loans to deposits | 50.50% | 50.78% | -0.28 pts | See points |
| Brokered deposits share of deposits | 6.57% | 6.54% | +0.03 pts | See points |
| Pledged securities share of securities | 84.57% | 79.90% | +4.67 pts | See points |
| Loans pledged, share of loans | 18.37% | 18.71% | -0.35 pts | See points |
| Volatile liabilities | $54.2M | $55.3M | -$1.1M | -1.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $815K | +$952K | +116.8% |
| Earnings before provision, single quarter | $952K | $815K | +$137K | +16.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.87% | 5.71% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 4.01% | 3.00% | +1.02 pts | See points |
| Total interest income to average assets | 4.00% | 3.82% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.20% | 0.19% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.38% | 0.37% | +0.00 pts | See points |
| Cost of time deposits | 3.54% | 3.37% | +0.17 pts | See points |
| Total interest expense to average assets | 1.37% | 1.41% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $239M | $208M | $110M | 1.21% | 10.09% | 2.84% |
| 2026-06-30 | $251M | $217M | $108M | 1.19% | 9.79% | 2.80% |
| 2026-03-31 | $250M | $218M | $109M | 1.15% | 9.58% | 2.70% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $230M | 0.25% | 70 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.