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Auburn National Bancorporation AUBN Reserve For Unfunded Commitments

Reserve For Unfunded Commitments at other companies

FVCBankcorp, Inc. logo
FVCBankcorp, Inc.FVCB
$374K-32.9%
Banner Corporation logo
Banner CorporationBANR
$12.9M+5.7%
SouthState logo
SouthStateSSB
$69.23M+11.2%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$1.76M+99.9%
ACNB logo
ACNBACNB
$1.82M-3.5%
CVB Financial logo
CVB FinancialCVBF
$500K0.0%

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+11.6%
P/E11.9×-0.8×
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:ReserveForUnfundedCommitments.

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 reserve for unfunded commitments?
Auburn National Bancorporation (AUBN) reported reserve for unfunded commitments of $300K in Q4 2025.
What is the long-term trend for Auburn National Bancorporation's reserve for unfunded commitments?
Over 3 years (2022 to 2025), Auburn National Bancorporation's reserve for unfunded commitments has grown at a 14.5% compound annual growth rate (CAGR), from $200K to $300K.
What does reserve for unfunded commitments mean?
This is a liability account representing the estimated credit losses associated with off-balance sheet loan commitments, such as unused lines of credit or letters of credit. It reflects the bank's assessment of potential future funding obligations that may become non-performing. A higher reserve indicates a more conservative approach to managing credit risk on undrawn lending capacity.