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Auburn National Bancorporation AUBN Effective Income Tax Rate Reconciliation Bank Owned Life Insurance

Effective Income Tax Rate Reconciliation Bank Owned Life Insurance at other companies

Mercantile Bank Corporation logo
Mercantile Bank CorporationMBWM
0.7%+0.2pp
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
2.5%+1.4pp
Columbia Financial, Inc. logo
Columbia Financial, Inc.CLBK
$429.75K+35.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
0.7%-0.3pp
SB Financial Group logo
SB Financial GroupSBFG
0.9%-0.2pp
SPF
South Plains Financial, Inc.SPFI
$85.75K+5.2%

Other financials

Income statement

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Revenue$8.6M+10.7%
Net income$2.2M+43.7%
EPS (diluted)$0.63+43.2%

Balance sheet

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Cash & equivalents$146.2M+23.2%
Total debt$231.0K+46,100%
Total equity$93.1M+12.0%
Total assets$1.0B+3.0%

Cash flow

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Operating cash flow$2.5M-3.5%
CapEx$120.0K-43.1%
Free cash flow$2.4M0.0%

Valuation

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Market cap$94.46M+9.2%
P/E11.9×-1.1×
P/S2.8×+0.1×

Profitability

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Net margin23.6%+2.3pp
FCF margin32.3%+2.8pp

Returns & leverage

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Return on equity9%+0.7pp
Debt / equity

Where this comes from

Reported directly by Auburn National Bancorporation in its filing.

Tagged under the XBRL concept aubn:EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurance.

The official record: Auburn National Bancorporation’s 10-K, filed March 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Auburn National Bancorporation's effective income tax rate reconciliation bank owned life insurance?
Auburn National Bancorporation (AUBN) reported effective income tax rate reconciliation bank owned life insurance of 0.9% in Q4 2025.
How has Auburn National Bancorporation's effective income tax rate reconciliation bank owned life insurance changed year-over-year?
Auburn National Bancorporation's effective income tax rate reconciliation bank owned life insurance decreased by 10.0% year-over-year, from 1% to 0.9%.
What does effective income tax rate reconciliation bank owned life insurance mean?
The percentage point impact on the effective tax rate derived from the tax-exempt nature of Bank-Owned Life Insurance (BOLI) income. It quantifies how much BOLI holdings contribute to lowering the bank's overall tax liability relative to statutory rates.