Auburn National Bancorporation, Inc. (AUBN) Balance Sheet
AUBN balance sheet, 2025
December 31, 2025 · U.S. dollars$1.02B assets = $926.7M liabilities + $92.1M equity
Both columns are drawn to the same scale: what AUBN owns equals what it owes plus shareholders’ equity. Hover a block for its value.
AUBN financial health
Descriptive bands, not a rating. Fiscal 2025.
AUBN balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $831.9M2016 | $1.02B2025 | +2.3%/yr | |
| Total liabilities | $749.8M2016 | $926.7M2025 | +2.4%/yr | |
| Shareholders’ equity | $82.2M2016 | $92.1M2025 | +1.3%/yr | |
| Cash & short-term investments | $322.8M2016 | $126.5M2025 | −9.9%/yr | |
| Total debt | $6.6M2016 | $6.7M2025 | +0.2%/yr | |
| Net cash (debt) | $316.2M2016 | $119.8M2025 | −$196.4M | |
| Working capital | −$71.0M2016 | −$796.4M2025 | −$725.4M | |
| Book value per share | $22.552016 | $26.342025 | +1.7%/yr | |
| Debt / equity | 0.082016 | 0.072025 | −0.01 | |
| Shares outstanding | 3.6M2016 | 3.5M2025 | −0.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
AUBN assets
AUBN liabilities and equity
AUBN debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
AUBN balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $126.5M | $93.4M | $310.9M | $423.3M | $500.7M | $419.2M | $302.4M | $278.0M | $321.7M | $322.8M |
| Cash & equivalents | $126.5M | $56.2M | $40.0M | $18.0M | $78.8M | $84.0M | $66.5M | $38.2M | $64.0M | $79.2M |
| Short-term investments | $21.3M | $37.2M | $270.9M | $405.3M | $421.9M | $335.2M | $235.9M | $239.8M | $257.7M | $243.6M |
| Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $374,000 | $0 | $0 | $172,000 | $1.9M | $152,000 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $250.9M |
| Total current assets | $126.5M | $93.4M | $310.9M | $423.3M | $500.7M | $419.2M | $302.4M | $278.0M | $1.2M | $573.8M |
| Property, plant & equipment (net) | $45.6M | $45.9M | $45.5M | $46.6M | $41.7M | $22.2M | $14.7M | $13.6M | $13.8M | $12.6M |
| Goodwill & intangible assets | $0 | $2.2M | $808.5M | $2.4M | $1.9M | $1.5M | $1.3M | $1.4M | $1.6M | $3.9M |
| Long-term investments | $233.3M | $243.0M | $270.9M | $904.0M | $876.7M | $459.5M | $458.7M | $239.8M | $450.8M | $427.8M |
| Other non-current assets | $613.4M | $592.8M | $0 | $0 | $0 | $54.2M | $50.7M | $285.3M | $386.0M | $0 |
| Total assets | $1.02B | $977.3M | $975.3M | $1.02B | $1.11B | $956.6M | $827.9M | $818.1M | $853.4M | $831.9M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $950.3M | $994.2M | $839.8M | $724.2M | $724.2M | $757.7M | $739.1M |
| Short-term debt | $931,000 | $45,000 | $1.5M | $2.6M | $3.4M | $2.4M | $1.1M | $2.3M | $2.7M | $3.4M |
| Total current liabilities | $922.9M | $895.8M | $897.7M | $955.8M | $1.00B | $848.9M | $729.6M | $729.0M | $660.6M | $644.8M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $3.2M | $3.2M |
| Other long-term liabilities | $3.8M | $3.2M | $1.0M | $955.8M | $1.00B | $848.9M | $0 | $76.2M | $0 | $0 |
| Total liabilities | $926.7M | $899.0M | $898.7M | $955.8M | $1.00B | $848.9M | $729.6M | $729.0M | $766.5M | $749.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $3.8M | $3.8M |
| Retained earnings (deficit) | $119.2M | $115.8M | $113.4M | $116.6M | $110.0M | $105.6M | $101.8M | $95.6M | $90.3M | $85.7M |
| Treasury stock | — | — | — | −$11.5M | −$11.0M | −$9.4M | −$9.4M | −$6.6M | −$6.6M | −$6.6M |
| Accumulated other comprehensive income | −$19.4M | −$29.6M | −$29.0M | −$40.9M | $891,000 | $7.6M | $2.1M | −$3.8M | −$566,000 | −$708,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $92.1M | $78.3M | $76.5M | $68.0M | $103.7M | $107.7M | $98.3M | $89.1M | $86.9M | $82.2M |
| Key figures | ||||||||||
| Total debt | $6.7M | $231,000 | $1.5M | $2.6M | $3.4M | $2.4M | $1.1M | $2.3M | $5.9M | $6.6M |
| Net cash (debt) | $119.8M | $93.1M | $309.4M | $420.7M | $497.3M | $416.8M | $301.3M | $275.7M | $315.8M | $316.2M |
| Working capital | −$796.4M | −$802.5M | −$586.9M | −$532.6M | −$500.7M | −$429.7M | −$427.2M | −$451.1M | −$659.4M | −$71.0M |
| Tangible book value | $92.1M | $76.1M | −$732.0M | $65.7M | $101.8M | $106.2M | $97.0M | $87.6M | $85.3M | $78.3M |
| Book value per share | $26.34 | $22.41 | $21.87 | $19.38 | $29.26 | $30.20 | $27.46 | $24.44 | $23.85 | $22.55 |
| Shares outstanding | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.6M | 3.6M | 3.6M | 3.6M | 3.6M |
| Current ratio | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | 0.00 | 0.89 |
| Quick ratio | 0.14 | 0.10 | 0.35 | 0.44 | 0.50 | 0.49 | 0.41 | 0.38 | 0.49 | 0.50 |
| Debt / equity | 0.07 | 0.00 | 0.02 | 0.04 | 0.03 | 0.02 | 0.01 | 0.03 | 0.07 | 0.08 |
| Equity / assets | 9.0% | 8.0% | 7.8% | 6.6% | 9.4% | 11.3% | 11.9% | 10.9% | 10.2% | 9.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $20.0M | $13.8M | $22.3M | $142.9M | $152.2M | $118.7M | $93.4M | $348.1M | $357.1M | $316.0M | $310.9M | $402.5M |
| Cash & equivalents | $20.0M | $13.8M | $22.3M | $127.8M | $128.6M | $88.5M | $56.2M | $79.5M | $102.7M | $55.2M | $40.0M | $29.2M |
| Short-term investments | $553,000 | $552,000 | $21.3M | $15.1M | $23.6M | $30.1M | $37.2M | $268.6M | $254.4M | $260.8M | $270.9M | $373.3M |
| Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $20.0M | $13.8M | $22.3M | $142.9M | $152.2M | $118.7M | $93.4M | $348.1M | $357.1M | $316.0M | $310.9M | $402.5M |
| Property, plant & equipment (net) | $44.9M | $45.2M | $45.6M | $45.4M | $45.4M | $45.7M | $45.9M | $46.2M | $46.6M | $46.2M | $45.5M | $45.7M |
| Goodwill & intangible assets | $0 | $0 | $0 | $2.1M | $2.2M | $2.2M | $2.2M | $2.2M | $2.3M | $2.4M | $808.5M | $1.0M |
| Long-term investments | $220.7M | $226.8M | $233.3M | $236.4M | $239.7M | $242.5M | $243.0M | $258.3M | $254.4M | $260.8M | $270.9M | $373.3M |
| Other non-current assets | $800.2M | $741.1M | $719.4M | $584.3M | $589.7M | $587.8M | $592.8M | $335.3M | $364.7M | $353.7M | $0 | $208.3M |
| Total assets | $1.09B | $1.03B | $1.02B | $1.01B | $1.03B | $996.8M | $977.3M | $990.1M | $1.03B | $979.0M | $975.3M | $1.03B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | $931,000 | — | — | — | $45,000 | — | — | $1.5M | $1.5M | $1.7M |
| Total current liabilities | — | — | $931,000 | $917.3M | $939.9M | $910.5M | $895.8M | $901.7M | $946.4M | $901.2M | $897.7M | $969.3M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $991.9M | $933.9M | $927.6M | $4.3M | $3.3M | $3.2M | $3.2M | $4.1M | $3.4M | $3.4M | $1.0M | $688.1M |
| Total liabilities | $991.9M | $933.9M | $928.5M | $921.6M | $943.2M | $913.7M | $899.0M | $905.8M | $949.8M | $904.5M | $898.7M | $969.3M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 | $39,000 |
| Retained earnings (deficit) | $121.9M | $120.5M | $119.2M | $118.5M | $117.2M | $116.3M | $115.8M | $115.1M | $114.4M | $113.6M | $113.4M | $118.3M |
| Accumulated other comprehensive income | −$20.0M | −$19.6M | −$19.4M | −$21.1M | −$23.3M | −$25.4M | −$29.6M | −$22.9M | −$31.3M | −$31.2M | −$29.0M | −$49.0M |
| Total shareholders' equity | $93.9M | $93.1M | $92.1M | $89.6M | $86.1M | $83.1M | $78.3M | $84.3M | $75.2M | $74.5M | $76.5M | $61.5M |
| Key figures | ||||||||||||
| Total debt | — | — | $6.7M | — | — | — | $231,000 | — | — | $1.5M | $1.5M | $1.7M |
| Net cash (debt) | — | — | $15.6M | — | — | — | $93.1M | — | — | $314.5M | $309.4M | $400.7M |
| Working capital | — | — | $21.4M | −$774.3M | −$787.7M | −$791.8M | −$802.5M | −$553.6M | −$589.3M | −$585.2M | −$586.9M | −$566.8M |
| Tangible book value | $93.9M | $93.1M | $92.1M | $87.5M | $83.9M | $80.9M | $76.1M | $82.2M | $72.9M | $72.1M | −$732.0M | $60.4M |
| Book value per share | $26.88 | $26.62 | $26.33 | $25.63 | $24.64 | $23.79 | $22.41 | $24.14 | $21.53 | $21.32 | $21.90 | $17.58 |
| Shares outstanding | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M | 3.5M |
| Current ratio | — | — | 23.99 | 0.16 | 0.16 | 0.13 | 0.10 | 0.39 | 0.38 | 0.35 | 0.35 | 0.42 |
| Quick ratio | — | — | 23.99 | 0.16 | 0.16 | 0.13 | 0.10 | 0.39 | 0.38 | 0.35 | 0.35 | 0.42 |
| Debt / equity | — | — | 0.07 | — | — | — | 0.00 | — | — | 0.02 | 0.02 | 0.03 |
| Equity / assets | 8.6% | 9.1% | 9.0% | 8.9% | 8.4% | 8.3% | 8.0% | 8.5% | 7.3% | 7.6% | 7.8% | 6.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 17, 2026); data from EODHD.
AUBN financial position
At the end of fiscal 2025 (December 31, 2025), Auburn National Bancorporation had total assets of $1.0 billion (up 4.2% from a year earlier), total liabilities of $926.7 million and shareholders' equity of $92.1 million. It held $126.5 million in cash and short-term investments against $6.7 million of debt, a net cash position of $119.8 million. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were $1.1 billion and equity $93.9 million.
Related: AUBN income statement, AUBN cash flow statement, AUBN key metrics. See the AUBN stock overview for the latest quote and news.
AUBN balance sheet FAQ
What are Auburn National Bancorporation's total assets?
Auburn National Bancorporation reported total assets of $1.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $977.3 million a year earlier.
How much debt does Auburn National Bancorporation have?
Auburn National Bancorporation had $6.7 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.07.
How much cash does Auburn National Bancorporation have?
Auburn National Bancorporation held $126.5 million in cash and short-term investments at the end of fiscal 2025; with $6.7 million of debt that is net cash of $119.8 million.
What is Auburn National Bancorporation's book value?
Auburn National Bancorporation's shareholders' equity (book value) was $92.1 million at the end of fiscal 2025, or $26.34 per share.
What is Auburn National Bancorporation's current ratio?
Auburn National Bancorporation had current assets of $126.5 million and current liabilities of $922.9 million, a current ratio of 0.14 (current liabilities exceed current assets).