AUBURN STATE BANK

AUBURN, NE · Supervised by FDIC

Est. 1905FDIC #11,477RSSD: FDIC-11477

Satisfactory Same

Current rating · Exam: April 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.15%

Is this bank safe?

AUBURN STATE BANK holds a Satisfactory CRA rating (1998), and is financially strong (ROA +1.15%).

Institution Profile

FDIC BankFind

Website

www.auburnstatebank.com

Address

1212 J St, AUBURN, NE

County

Nemaha County

Established

January 1, 1905

Total Assets

$250M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$250M

Total Deposits

$218M

Net Loans

$109M

Net Income

$724K

ROA

1.15%

Above avg for Small banks. Peer avg: 0.44%

ROE

9.58%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.15%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate12.24%Peer avg: 6.90%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$230M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	49	75.51%	12.24%
2021	128	77.34%	5.47%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 1998	Satisfactory	Small Bank
Jul 1995	Satisfactory	Not Reported
Jul 1993	Satisfactory	Not Reported

1 previous rating 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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