MASHINIi

Auburn National Bancorporation, Inc..

AUBN.US | Other monetary intermediation

Auburn National Bancorporation, Inc. operates as the bank holding company for AuburnBank that provides various banking products and services in East Alabama. It accepts various deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit. The co...Show More

Ethical Profile

Mixed.

Auburn National Bancorporation (AUBN.US) presents a mixed ethical profile. In Safe & Smart Tech, the company reported zero major cybersecurity breaches in 2023 and invested $850,000 in cybersecurity infrastructure, representing 30% of its tech budget. Multi-factor authentication covers 98.6% of digital banking users. AI is utilized for fraud detection and loan processing. For Honest & Fair Business, AUBN maintains a clean regulatory record with no reported fines and updated its Insider Trading Policy in 2023. Eight of its eleven board members are independent, and its 2024 say-on-pay vote received significant shareholder support. However, information on AI ethics policies, a formal whistleblower policy, or environmental initiatives is not available.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-20
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

No evidence available to assess Auburn National Bancorporation, Inc. on Better Health for All.

Fair Money & Economic Opportunity

0

No specific, concrete data points were found in the provided articles to assess Auburn National Bancorporation, Inc. against the quantitative thresholds for any of the KPIs under the 'Fair Money & Economic Opportunity' value. Information regarding community partnerships, digital banking initiatives, and general mission statements was present, but it did not provide the specific percentages, ratios, or regulatory findings required by the rubric for scoring.

1

Fair Pay & Worker Respect

0

No specific quantitative data relevant to the Fair Pay & Worker Respect KPIs for Auburn National Bancorporation, Inc. (AUBN.US) was found in the provided articles. Information regarding CEO total compensation for 2018 was available (US$424k), but median employee compensation was not, preventing the calculation of the CEO to median pay ratio.

1
Employee reviews mentioned pay not being competitive with other local banks and a 'decent benefits package,' but these are qualitative statements and do not provide the specific metrics required by the rubric, such as living wage coverage or health insurance coverage percentages.
2
Several articles focused on Auburn University's employee engagement survey results, which are not relevant to AUBN.US.
3
No data on collective bargaining, safety incident rates, pay equity ratios, worker engagement scores (from formal surveys), turnover rates, labor violation incidents, or insecure contract share was provided for AUBN.US.

Fair Trade & Ethical Sourcing

0

Auburn National Bancorporation, Inc. operates as a bank holding company, providing banking products and services.

1
The nature of its business means it does not procure or trade physical commodities, nor does it have a supply chain that typically involves upstream labor practices or high-risk materials like those covered by the Fair Trade & Ethical Sourcing value. Therefore, several KPIs are scored as N/A. No articles provide any specific data points for fair trade certifications, supplier audit frequency, forced or child labor incidents, supply chain traceability, remediation speed, or high-risk materials spend.
2
KPIs such as 'ethical_clause_coverage' and 'supplier_diversity_spend' are omitted due to a complete lack of relevant evidence in the provided articles, and their N/A conditions are not met.
3

Honest & Fair Business

-20

Auburn National Bancorporation, Inc. has a whistleblower policy with a 24/7 anonymous hotline and online reporting, and states it will not permit retaliation for good faith reports, though anonymity and confidentiality cannot be guaranteed.

1
The company had one financial restatement in its 2023 Annual Report on Form 10-K for incorrect loan vintage and revolving loan information.
2
Out of 11 board members, 8 are independent.
3
The company's Code of Conduct and Ethics prohibits payments to government or regulatory officials to secure business or obtain special concessions.
4
The company uses independent third parties for macroeconomic projections, pricing of securities, and valuation of mortgage servicing rights, and its reporting hotline is administered by an independent third-party vendor.
5
Elliott Davis LLC is appointed as the independent registered public accounting firm for the fiscal year ending December 31, 2024.
6

Kind to Animals

0

Auburn National Bancorporation, Inc. operates as a bank holding company providing financial services.

1
Its core business activities do not involve animal testing, animal agriculture, animal-derived products, or operations that directly impact wildlife habitats.
2
Therefore, all Key Performance Indicators related to being 'Kind to Animals' are not applicable to the company's business model, as confirmed by the provided articles which consistently describe the company as a financial services provider.
3

No War, No Weapons

0

The provided articles explicitly state that no quantitative data related to Auburn National Bancorporation, Inc. or the 'No War, No Weapons' value is available.

1
Therefore, no specific, concrete data points could be found to assess any of the KPIs in the rubric.

Planet-Friendly Business

0

No explicit, concrete data points for any of the Planet-Friendly Business KPIs were found in the provided articles. The articles primarily consist of financial summaries that explicitly state they do not contain environmental, social, or governance (ESG) metrics, or they indicate that relevant reports are inaccessible or unavailable.

Respect for Cultures & Communities

0

No evidence available to assess Auburn National Bancorporation, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

0

Auburn National Bancorporation (AUBN.US) has implemented multi-factor authentication for 98.6% of its digital banking users.

1
The company generally limits the collection and use of customer information to what is required for service and business administration, and has established controls for record retention and timely destruction.
2
AUBN.US monitors compliance with state and federal BSA, Patriot Act, Anti-Money Laundering (AML), OFAC, TILA, EFTA, and FCRA laws and regulations, with TILA compliance at 99.8% as of March 15, 2024, and EFTA compliance at 99.5% as of February 22, 2024.
3

Zero Waste & Sustainable Products

0

Auburn National Bancorporation, Inc. (AUBN.US) does not have any publicly available reports on ResponsibilityReports.com regarding its sustainability performance.

1
No information is available in the provided articles concerning waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability scores, waste audit frequency, zero waste certifications, waste disposal violations, material efficiency, packaging-to-product ratios, waste reduction targets, supplier waste requirements, or customer waste education.
2
The articles primarily focus on financial performance, investor relations, and community involvement. Information regarding Auburn University's waste management programs is not relevant to AUBN.US.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.