AUBURN SAVINGS BANK, FSB

AUBURN, ME · Supervised by OTS

Est. 1887FDIC #28,288

Outstanding Same

Current rating · Exam: November 2007

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.25%

Is this bank safe?

AUBURN SAVINGS BANK, FSB earned an Outstanding CRA rating (2007), meets basic financial requirements (ROA +0.25%).

Institution Profile

FDIC BankFind

Website

www.auburnsavings.com

Address

256 Court St, AUBURN, ME

County

Androscoggin County

Established

January 1, 1887

Total Assets

$102M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 5, 2007

Exam Type

Small Bank

Regulator

OTS

What is a CRA rating? →

⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$102M

Total Deposits

$74M

Net Loans

$83M

Net Income

$65K

ROA

0.25%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.83%

Risk-Based Capital

13.70%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.25%Peer avg: 0.44%▼ Below avg

Risk-Based Capital13.70%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate18.64%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$76M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	59	61.02%	18.64%
2020	227	83.26%	5.73%
2019	132	79.55%	7.58%
2018	112	83.93%	8.04%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2007	Outstanding	Small Bank
Oct 2002	Outstanding	Small Bank
Oct 1997	Satisfactory	Small Bank

3 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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