Auburn National Bancorporation(AUBN) - 2025 Q4 - Annual Results

Exhibit 99.1 Net interest margin (tax-equivalent) was 3.32% in the fourth quarter of 2025, compared to 3.30% in the third quarter of 2025, and 3.09% in the fourth quarter of 2024. The increase in net interest margin was primarily due to improved yields on interest-earning assets, and a decrease in our cost of interest-bearing deposits. Nonperforming assets were $0.5 million, or 0.05% of total assets, at December 31, 2025, compared to $0.1 million, or 0.01% of total assets at September 30, 2025, and $0.5 mil ...