[8-K] Auburn National Bancorporation Reports Material Event

Rhea-AI Filing Summary

Insights

Financial Disclosure Analyst

Quarterly earnings furnished; actual figures withheld in filing, so net market impact indeterminate.

What was filed: The Form 8-K, limited to Item 2.02, merely furnishes Exhibit 99.1—a press release covering Auburn National Bancorporation’s results for Q2 2025 and the six-month period ended June 30, 2025. Because the exhibit itself is not reproduced inside the filing text, no revenue, EPS, asset-quality, or capital-ratio data can be evaluated here.

Why it matters: Earnings releases are material because they update investors on profitability, credit metrics, and forward-looking commentary that influence valuation models. Although the company flags the information as “furnished” (thus avoiding Section 18 liability), the disclosure is still subject to Regulation FD and will likely shape analyst expectations once the exhibit is reviewed.

Constraints on analysis: Without the numerical content, it is impossible to judge directionality—whether the bank beat or missed prior periods or consensus. Therefore, no assessment can be made on capital adequacy, net interest margin, loan growth, or credit loss reserves.

Key takeaways for stakeholders: 1) A fresh data set is now publicly available and should be examined in Exhibit 99.1. 2) Because the filing offers no guidance or commentary, interested parties must retrieve the press release for meaningful interpretation. 3) The event’s impact will crystallize only after examining those underlying figures.

AUBURN NATIONAL BANCORPORATION, INC false 0000750574 0000750574 2025-07-22 2025-07-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report: July 22, 2025

AUBURN NATIONAL BANCORPORATION, INC.

(Exact Name of Registrant as Specified in Charter)

Delaware		0-26486		63-0885779
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)

100 North Gay Street, P.O. Drawer 3110, Auburn, Alabama 36831-3110

(Addresses of Principal Executive Offices, including Zip Code)

(334) 821-9200

(Registrant’s Telephone Number, including Area Code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, par value $0.01		AUBN		Nasdaq Global Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition

The information in this Current Report on Form 8-K, including the exhibits attached hereto, is being “furnished” and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document filed by the Company pursuant to the Securities Act of 1933, as amended, or into any other filing or document made by the Company pursuant to the Securities Exchange Act of 1934, as amended, except as otherwise expressly stated in any such filing.

Attached and incorporated herein by reference as Exhibit 99.1 is a copy of the press release of Auburn National Bancorporation, Inc., dated July 22, 2025, reporting the Company’s financial results for the quarter and six months ended June 30, 2025.

Item 9.01. Financial Statements, Pro Forma Financial Information and Exhibits.

(c) Exhibits. The following exhibits are furnished herewith:

Exhibit No.		Exhibit Description
99.1		Press Release, dated July 22, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

AUBURN NATIONAL BANCORPORATION, INC.

(Registrant)

/s/ David A. Hedges

David A. Hedges

President and CEO

Date: July 22, 2025