Auburn Savings Bank FSB
Auburn, Maine · FDIC Cert #28288
Auburn Savings Bank FSB is an FDIC-insured bank (Certificate #28288) with $102M in total assets and $75M in total deposits as of the Q2 2024 Call Report. Headquartered in Auburn, Maine, the bank maintains a Tier 1 capital ratio of 11.91% (Well-Capitalized) and a nonperforming loan ratio of 0.31%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Auburn Savings Bank FSB (FDIC cert 28288) is a community bank — $102M in total assets, $75M in deposits, serving the Auburn, Maine area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.91% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.31% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.13% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Auburn Savings Bank FSB carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Auburn Savings Bank FSB
- Total Assets
- $102M
- Total Deposits
- $75M
- Tier 1 Capital Ratio
- 11.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.31%
- Liquidity Ratio
- 16.36%
- Return on Assets
- 0.13%
- Headquarters
- Auburn, Maine
- FDIC Certificate
- #28288
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Auburn Savings Bank FSB holds a Tier 1 capital ratio of 11.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Auburn Savings Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Auburn Savings Bank FSB shows strong financial health indicators. With $102M in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Auburn Savings Bank FSB Compares
Auburn Savings Bank FSB’s Health Score of 69 is 5 points above the Maine state average of 64 across 20 FDIC-insured banks. Its 11.91% Tier 1 capital ratio is 2.1 points below the US banking industry average near 14%. The 0.31% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.13% is below the national ROA benchmark of ~1.1%. Among 1110 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Auburn Savings Bank FSB is 1 points below the portfolio average of 70.
Frequently Asked Questions
Auburn Savings Bank FSB has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Auburn Savings Bank FSB's Tier 1 capital ratio of 11.91% and nonperforming loan ratio of 0.31% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Auburn Savings Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28288). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Auburn Savings Bank FSB holds $102M in total assets and $75M in total deposits. It is headquartered in Auburn, Maine (FDIC Certificate #28288).
Auburn Savings Bank FSB has a Tier 1 capital ratio of 11.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.31%, and the return on assets is 0.13%.
Yes. Auburn Savings Bank FSB is FDIC-insured (Certificate #28288). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Auburn Savings Bank FSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.