# EDGAR Filing Document

**Accession Number:** 0000750574
**File Stem:** 0001193125-26-111012
**Filing Date:** 2026-3
**Character Count:** 63465
**Document Hash:** 95d8de9be19e1fc2be1d17c752af6748
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-111012.hdr.sgml**: 20260317

**ACCESSION NUMBER**: 0001193125-26-111012

**CONFORMED SUBMISSION TYPE**: 10-K

**PUBLIC DOCUMENT COUNT**: 104

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260317

**DATE AS OF CHANGE**: 20260317

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AUBURN NATIONAL BANCORPORATION, INC
- **CENTRAL INDEX KEY:** 0000750574
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 630885779
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-26486
- **FILM NUMBER:** 26762783

**BUSINESS ADDRESS:**
- **STREET 1:** 100 N GAY ST
- **STREET 2:** P O DRAWER 3110
- **CITY:** AUBURN
- **STATE:** AL
- **ZIP:** 36831-3110
- **BUSINESS PHONE:** 3348219200

**MAIL ADDRESS:**
- **STREET 1:** 100 NORTH GAY STREET
- **STREET 2:** P O DRAWER 3110
- **CITY:** AUBURN
- **STATE:** AL
- **ZIP:** 36831

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AUBURN NATIONAL BANCORPORATION INC
- **DATE OF NAME CHANGE:** 19950124

## Exhibit 4.1

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 4.1
DESCRIPTION OF THE REGISTRANT'S SECURITIES

REGISTERED PURSUANT TO SECTION 12 OF THE

SECURITIES EXCHANGE ACT OF 1934

The following summarizes the terms of certain securities of Auburn National Bancorporation, Inc., a Delaware corporation

(the "Company"). The Company's common stock is registered under Section 12(b) of the Securities Exchange Act of 1934,

as amended (the "Exchange Act"). The following summary does not purport to be complete and is qualified in its entirety

by reference to the Company's Certificate of Incorporation (as amended, the "Charter") and Amended and Restated Bylaws

(as amended, the "Bylaws"), each previously filed with the U.S. Securities and Exchange Commission, as well as reference

to federal and state banking laws and regulations and the Delaware General Corporations Law (the "DGCL").

#### Authorized Capital
The Company's authorized capital stock consists of 8,500,000 shares of common stock, $.01 par value per share and

200,000 shares of preferred stock, $.01 par value per share.

#### Common Stock
*Voting Rights.*

Each holder of common stock is entitled to one vote for each share held on all matters on which our

shareholders are entitled to vote. Directors are elected by a majority vote, and no shareholder has the right to cumulative

voting with respect to the election of directors.

*Dividend Rights.*

Subject to the prior rights of holders of any then-outstanding shares of preferred stock, each share of

common stock has equal rights to participate in dividends when, as and if declared by the board of directors out of funds

legally available therefor.

*Liquidation Rights.*

Subject to the prior rights of creditors and the satisfaction of any liquidation preference granted to the

holders of any outstanding shares of preferred stock, if any, in the event of a liquidation, the holders of common stock will

be entitled to share ratably in any assets remaining after payment of all debts and other liabilities.

*Other.*

Holders of common stock have no redemption or subscription, conversion or preemptive rights.

*Exchange and Trading Symbol.*

The common stock is listed for trading on the NASDAQ Global Market under the symbol

"AUBN."

*Transfer Agent and Registrar.*

The transfer agent and registrar for the common stock is Computershare Investor Services

LLC. #### Preferred Stock
Shares of preferred stock may be issued for any purpose and in any manner permitted by law, in one or more distinctly

designated series, including as a dividend or for such consideration as the board of directors may determine by resolution or

resolutions adopted from time to time. The board of directors is expressly authorized to fix and state, by resolution or

resolutions adopted from time to time prior to the issuance of any shares of a particular series of preferred stock, the

designations, voting powers (if any), preferences, and relative, participating, optional or other special rights, and

qualifications, limitations or restrictions thereof. The rights of the holders of the common stock will generally be subject to

the rights of the holders of any existing outstanding shares of preferred stock with respect to dividends, liquidation

preferences and other matters.

As of the date hereof, the Company has no shares of preferred stock designated or outstanding.

#### Anti-takeover Effects
Certain provisions of the Charter and Bylaws could make a merger, tender offer or proxy contest more difficult, even if

such events were perceived by many of shareholders as beneficial to their interests. These provisions include (1) requiring,

under certain circumstances, that a "Business Combination" (as defined in the Charter) be approved by (i) holders of at

least 80% of the outstanding shares entitled to vote, and (ii) by a majority of shares held by persons other than "Related

Persons" (as defined in the Charter), (2) prohibiting shareholders from removing directors without cause, and, in order to

remove a director for cause, requiring approval of (i) at least 80% of the outstanding shares entitled to vote and (ii) a

majority of shares held by persons other than "Related Persons," (3) advance notice for nominations of directors and

shareholders' proposals, and (4) authority to issue "blank check" preferred stock with such designations, rights and

preferences as may be determined from time to time by the board of directors. In addition, as a Delaware corporation, the

Company is subject to Section 203 of the Delaware General Corporation Law which, in general, prevents an "interested

shareholder," defined generally as a person owning 15% or more of a corporation's outstanding voting stock, from

engaging in a business combination with the corporation for three years following the date that person became an interested

shareholder unless certain specified conditions are satisfied.

#### Restrictions on Ownership
The ability of a third party to acquire the Company is limited under applicable U.S. banking laws and regulations. The

Bank Holding Company Act, or BHC Act, requires any bank holding company to obtain Federal Reserve approval prior to

acquiring, directly or indirectly, 5% or more of any class of voting securities of the bank holding company. Any "company"

(as defined in the BHC Act) other than a bank holding company would be required to obtain Federal Reserve approval

before acquiring "control" of a bank holding company. "Control" generally means (i) the ownership or control of 25% or

more of a class of voting securities, (ii) the ability to elect a majority of the directors or (iii) the ability otherwise to exercise

a controlling influence over management and policies. A holder of 25% or more of the outstanding common stock of a bank

holding company, other than an individual, is subject to regulation and supervision as a bank holding company under the

BHC Act. On January 30, 2020, the Federal Reserve adopted new rules, effective September 30, 2020 simplifying

determinations of control of banking organizations for BHC Act purposes.

In addition, under the Change in Bank Control Act of 1978, as amended, and the Federal Reserve's regulations thereunder,

any person, either individually or acting through or in concert with one or more persons, is required to provide notice to the

Federal Reserve prior to acquiring, directly or indirectly, 10% or more of the outstanding voting securities of a bank

holding company, and receive nonobjection from the Federal Reserve.

## Exhibit 19.1

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 19.1

#### INSIDER TRADING POLICY
This is the Insider Trading Policy (the "Policy") of Auburn National Bancorporation, Inc., AuburnBank and their

subsidiaries (individually and collectively, the "Company"). This Policy covers all Company (1) employees and

officers, (2) members of the

any Company

Board of Directors (the "Board"),

advisory directors

and

Board observers, and

(3) consultants or independent contractors whose business relationship with the Company provides access to Material

Nonpublic Information regarding the Company ("Representatives").

This Policy also applies to (1) any family member who lives in the same household as a person covered by this Policy and

any family members who do not live in your household but whose securities transactions are directed by you or are

subject to your influence and control, such as children away at college or parents or children who consult with you before

they trade, or (2) any person controlled by or under common control with any person described in the preceding sentence

(collectively, "Family Members"). You are responsible for the transactions of your Family Members and any entities that

you influence or control, including any corporations, partnerships, trusts or estates (collectively, with Family Members,

"Related Parties"). You shall inform your Related Parties of the need to confer with you before they trade any Company

Securities and before they trade the securities of any other entity ("Third Party Securities") about which you have

communicated Material Nonpublic Information that you obtained in the course of your role with the Company. You and

the persons and entities described in the above paragraphs are "Covered Persons " under this Policy.

This Policy applies to all direct and indirect transactions in Company Securities and Third-Party Securities by Covered

Persons. Covered Persons are subject to, and shall comply with this Policy in all capacities, including when acting as an

agent, power of attorney, representative, nominee or fiduciary or otherwise for or on behalf of any other person or entity.

Transactions by your Related Parties will be regarded for the purposes of this Policy and the applicable securities laws as

though made by you.

The special obligations and liabilities of Section 16 Persons are described in Section III.B. and Article IV below. Various

defined terms used in this Policy are provided in Article VI.

Our Code of Conduct and Ethics requires compliance with this Policy. You are responsible for compliance with this

Policy.

If you have any questions regarding this Policy, please contact the Company's Shareholder Relations Officer or the Chief

Financial Officer. **I.**

#### Reasons for this Policy
Violators of the U.S. insider trading laws face civil penalties of up to three times the profit gained, or loss avoided, by

reason of their Securities trades. A criminal fine of up to $5 million for individuals (up to $25 million for entities) and

criminal forfeiture, and a term of up to 20 years in jail, may be imposed in the event of a willful violation. The Company

and its officers and Board members could also face significant civil penalties for failing to take steps to prevent violations

of the insider trading laws by Company personnel, including penalties of the greater of $1 million or three times the profit

gained or loss avoided as a result of an insider's violation and a criminal penalty for failing to take adequate steps to

prevent insider trading. Further penalties may be assessed for insider trading under foreign and state securities or "blue

sky" laws ("State Securities Laws").

In addition, violations of insider trading laws can result in significant expense to the Company in connection with

investigations by bank or securities regulators, or criminal authorities, including the United States Department of Justice.

Violations could adversely affect the Company's reputation and prevent the Company from using or assisting customers

to use SEC Rule 506 for limited offerings of securities exempt from registration under the Securities Act or require

cautionary disclosures that may discourage investors. The public and the securities markets could lose confidence in the

Company and its securities as a result of violations. These could substantially harm the Company and its shareholders. **II.**

#### Prohibited Insider Trading and Disclosure of Material Nonpublic Information; No Tipping.
All Covered Persons are prohibited from engaging in transactions, including purchases and sales in, and gifts of, any (i)

Company Security while in in possession of Material Nonpublic Information about the Company regardless of whether

the Company's Trading Window is open or closed, or (ii) Third Party Securities while in possession of Material

Nonpublic Information about such issuer that has been obtained by reason of the person's employment by, or association

with, the Company (individually and collectively, "Insider Trading").

In addition, all Covered Persons are prohibited from disclosing Material Nonpublic Information about the Company or

any Other Entity (as defined in the next paragraph) that has been obtained by reason of the Covered Person's employment

by, or association with, the Company, to other persons, including colleagues within the Company, and friends and family.

However, Material Nonpublic Information may be disclosed to certain persons for the express purpose of performing an

authorized act or service necessary to the Company in accordance with the Company's policies, such as to colleagues

within the Company whose jobs require them to have such information and accountants, attorneys and other persons who

hold a duty of trust and confidence with the Company.

The other entity ("Other Entity") may be any other entity with which the Company competes, does business with or is

involved in an existing or potential business relationship or transaction, such as an existing or potential: customer,

borrower, counterparty, strategic partner or joint venturer, and others, including a party to a potential business

combination or important contract.

All Tipping and recommendations about Company Securities or Third-Party Securities by Covered Persons are

prohibited, even if you do not believe that the information, standing alone, is Material or do not know if the information is

Material Nonpublic Information, particularly if the person is offering you anything of value in exchange, including non-

monetary compensation or relationships. Market Professionals employ

many means, including so-called "expert

networks," to try to extract confidential information from employees at all levels of a company. Do not Tip or provide

Material Nonpublic Information to relatives, friends or other persons or entities – it is illegal even if you get no monetary

benefit, and both you and the tippees will be liable.

Disclosure of Material Nonpublic Information to Market Professionals by authorized persons pursuant to any Company

disclosure policy will not violate this Article II. **III.**

#### Specific Procedures Applicable to All Personnel and Section 16 Persons
The following procedures are also considered part of this Policy and your compliance with these is also required.

A. #### General
1. Trading Windows and Blackout Periods.

In addition to the general prohibition on Insider Trading set forth in this Policy, you must observe the "Blackout Periods"

described below. Periods outside Blackout Periods are "Trading Windows. " Blackout Periods are the following:

a. Covered Persons cannot engage in a transaction in Company Securities from the beginning of the second

week prior to the end of each fiscal quarter through the close of business on the second (2

nd) full trading day

after the Company's financial results for such quarter have been publicly disclosed.

b. The Company may provide a "Blackout Notice" at any time, including during a Trading Window, that a

transaction in Company Securities is not permitted in the event of Material Nonpublic Information that has

arisen and exists at that time. Until such Blackout Notice is terminated, you cannot engage in transactions,

including purchases, sales and gifts) in Company Securities.

c. The

Company's Chief Executive Officer and Chief Financial Officer, or either of them, have the authority to

impose additional restrictions on trading in Company Securities at any time, including during periods that

would otherwise be Trading Windows, and to apply such additional restrictions and the pre-clearance

process applicable to Section 16 Persons to certain Company officers and employees, who may in the course

of their activities have access to or be exposed to Material Nonpublic Information. In such event, notice of

such additional restrictions will be provided to the affected individuals personally or by e-mail or telephone,

including voicemail. The affected individuals shall not inform any other person of such additional

restrictions. Such notice may be given by the Chief Executive Officer or the Chief Financial Officer, who

may delegate such action to the Shareholder Relations Officer. Nothing herein shall limit or preclude any

additional transfer or other restrictions in any Awards under the 2024 Incentive Plan, or which are adopted

to comply with any applicable Securities Law, banking law or contractual requirements, including any

lockup agreements.

d. If you have placed a limit order or open instruction to buy or sell Company Securities, you shall terminate

such instructions immediately upon the earliest of (i) the expiration of any trading approval or preclearance,

and (ii) the commencement and during the existence of a Blackout Period or other trading restriction.

2. Preclearance and Approval of Transactions.

a. Preclearance and prior approval by the Company of transactions in Company Securities is not required of

Covered Persons, when effected during times when the Trading Window is open for the Covered Person.

b. All Rule 10b5-1 Plans and Non-Rule 10b5-1 Trading Arrangements should be adopted, modified, suspended

or terminated only during an open Trading Window which is applicable to that person, and must be approved

by the Company in advance of adoption, modification, suspension or termination, except for certain automatic

transactions expressly approved by the Company as part of the adoption of the Rule 10b5-1 Plans and Non-

Rule 10b5-1 Trading Arrangements. Transactions made pursuant to previously approved Rule 10b5-1 Plans

and Non-Rule 10b5-1 Trading Arrangements, Award vesting and exercises of Awards that do not involve a

sale other than cashless exercises of options and tax withholding with the Company as provided in Sections 4,

6. a. and 6.b. of this Article III do not require pre-approval. Section16 Persons are responsible for the

applicable Exchange Act reporting of any such transactions, including on SEC Forms 3, 4, 5, and Schedule

13D/G.

c. If a request for pre-clearance is made, it must be submitted to the Chief Financial Officer or Chief Executive

Officer at least two (2) business days in advance of the proposed transaction. The Company has no obligation

to approve a transaction submitted for pre-clearance and may determine not to permit the transaction. If a pre-

clearance request is not approved, the requesting person must refrain from initiating the transaction in

Company Securities and should not inform any other person of the restriction.

d. Any approval or preclearance of a transaction will be granted subject to a time limitation within which the

trade must be executed. If no time limit is specified, then the approval will expire at the close of normal

trading on the Nasdaq Global Market (or such other exchange or over-the-counter market on which the

Company's Securities are then principally traded) on the third trading day after approval (including the day

of approval). If the transaction is not consummated within such time period, a new pre-clearance request

must be submitted and approved before such person may engage in the transaction.

e. At the time of entering into, modifying or terminating a Rule 10b5-1 Plan or a Non- Rule 10b5-1 Trading

Arrangement, or placing a trade in or transaction Company Securities, you are responsible for determining

that you are not in possession of, and do not have access to, Material Nonpublic Information, and for

verifying that the Comp

any has not imposed any restrictions on your ability to engage in trades.

3. No Speculative Transactions.

a. No Covered Person may engage in

speculative

transactions

in

Company Securities at any time. All Covered Persons

are prohibited at all times from short-selling Company Securities or engaging in transactions involving

Derivative Securities with respect to Company Securities or otherwise, including hedges of any options,

restricted stock and restricted stock units, appreciation rights or other awards ("Awards") granted under the

Company's 2024 Equity and Incentive Plan (the "2024 Incentive Plan") or otherwise. These prohibitions

include, but are not limited to, short sales, equity and other swaps, forwards, futures, puts, calls and other

options contracts and derivatives, including straddles, any other Derivative Securities or strategies involving

one or any combinations of such instruments and/or Derivative Securities or short-term buying and selling

of Company Securities.

b. Nothing in this Section 3 shall otherwise prohibit a Covered Person from receiving Awards under the 2024

Incentive Plan or other Company incentive plans and realizing the value in accordance with terms of such

Awards,

*provided*

no Covered Person may use hedging instruments or strategies, including Derivative

Securities to increase the value or reduce the risks of such Awards.

4. Rule 10b5-1 Plans

Transactions (including gifts) that would otherwise be prohibited at certain times by this Policy are allowed if they are

made pursuant to a Rule 10b5-1 Plan or Non-Rule 10b5-1 Trading Arrangement, which is preapproved by the Company

and is adopted and operated in accordance with this Policy and all SEC Rule10b5-1 requirements and related reporting

obligations.

*See* 

Article V below.

5. Gifts of Company Securities, etc.

All gifts of Company Securities, and gifts of Third-Party Securities, if any, that are subject to this Policy, should be

planned and made during open Trading Windows or pursuant to a Rule 10b5-1 Plan. This requires year end gifts and

charitable contributions of such securities to be made before end of the second week of December. Gifts, including bona

fide gifts are generally considered by the SEC as "sales" or "trades" under Rule 10b5-1 and for Section 16 reporting

purposes on SEC Form 4. Whether a gift is "bona fide" and can be made outside an open Trading Window will depend

on the facts and circumstances surrounding each gift, including the donor's relationship with the recipient, the nature of

the tax benefit of the donor and the expectation or intent that the recipient will sell the Company Securities received. You

should contact the Shareholder Relations Officer or Chief Financial Officer as to whether any gift is bona fide, including

all relevant facts, and can be made consistent with this Policy outside an open Trading Window at least two (2) business

days in advance of a proposed gift, although exceptions for bona fide gifts are not to be expected or assured.

*All gifts by* 

*Section 16 Persons must be precleared in advance and reported timely on Form 4.*

6. Non-Market Transactions.

Certain limited non-market transactions described below ("Non-Market Transactions") are allowed even while in the

possession of Material Nonpublic Information:

a. Stock Purchase and Dividend Reinvestment Plans. Acquisitions of Company Securities consistent with

instructions established at the time of enrollment in a Company employee or direct stock purchase or dividend

reinvestment plan. This Policy does apply, however, to your elections to participate or change your level of

participation in these plans, to transfer shares into or out of such a plan, and to any sales of Company Securities

acquired through these plans, which only may be made when during an open Trading Window and otherwise

pursuant to this Policy.

b. Vesting of Awards and Cashless Exercises with the Company. Vesting of restricted stock or other Awards under

the 2024 Incentive Plan, or the exercise of a tax withholding right pursuant to which an election is made to have

the Company withhold shares of Company stock to satisfy tax withholding requirements or a cashless exercise

of a stock option or other Award between the grantee and the Company where options or Awards are

surrendered to the Company. Cashless exercises of Awards through brokers, other third parties or on the market

or other transactions are subject to this Policy, however.

c. Other Non-Market Transactions. A specific, non-market transaction approved in writing in advance by the

Company's Shareholder Relations Officer or Chief Financial Officer, or if neither of these persons are available

or are a party to such transaction, the Chief Executive Officer).

B. #### Additional Procedures Applicable to Section 16 Persons
Section16 Persons must timely report

*all*

trades, transfers, pledges or other transactions of Company Securities, including

*all*

gifts, including those made when the Trading Window is open for such persons, and are responsible for the applicable

Exchange Act reporting of any such transactions, including on SEC Forms 3, 4, 5 (each A "Section 16 Filing"), and SEC

Schedule 13D/G.

Any transfers, including gifts, of Company Securities and any exercises of Awards under the 2024 Incentive Plan or other

plans, whether or not exempt under Section 16(b), must be reported to the SEC by filing a SEC Form 4 within two (2)

business days. The Shareholder Relations Officer will, if requested, assist in completing the SEC Form 4 or other Section

16 Filings in reliance upon information provided by, and will file it on behalf of, the Section 16 Person with the SEC.

However, the completion, contents, and timeliness of any Rule 144, Section 16 filing and any Schedule 13D/G are the

sole responsibility of each Section 16 Person or other reporting person, as applicable.

Section 16 Persons are also expected to comply with Section 16(b) of the Exchange Act ("Section 16(b)"), which imposes

liability for any profit derived by them as the result of a purchase and sale of Company Securities occurring within any

six-month period. For more information, please see Article IV, Consequences for Violations of this Policy.

C. #### Additional Provisions Applicable to All Persons
The terms "Material Information" and "Material Nonpublic Information" are defined in Article VII below. The "Material

Information" definition contains a non-exclusive list of examples of "material" items.

This Policy's provisions about Material Nonpublic Information regarding the Company apply to you regardless of how

you become aware of the information. You may learn Material Nonpublic Information about Other Entities and third

parties as a result of their relationship to the Company or discussions about possible relationships or transactions. For

example, if you are an administrative assistant and you have learned that a large contract has just been received by

company A from the Company, or that an acquisition of company B by the Company is about to occur, you are prohibited

from trading in Company Securities through the close of the second (2

nd) full trading day

*after*

Public Disclosure of the

news. Each of company A and company Bb would be Other Entities under this Policy. Therefore, you also cannot trade

in these Other Entities' securities which are Third Party Securities under this Policy, as discussed further in the next

paragraph. When you are in possession of Material Nonpublic Information of the Company or such Other Entities, you

have a duty to the Company to keep that information confidential and not to use it for your personal benefit, and you

cannot provide it to or Tip anyone for

your or

their benefit.

With respect to Material Nonpublic Information concerning an Other Entity, this Policy applies to you if you became

aware of the Material Nonpublic Information about the Other Entity by reason of your affiliation or work with the

Company. In the example above, you also would not be able to trade in the securities of company A or company B until

after Public Disclosure of the news. Trading securities on inside information is illegal, and you cannot use Material

Nonpublic Information regarding the Company or Other Entities to trade in their respective securities.:

i. Possession of Material Nonpublic Information. If you are aware of Material Nonpublic Information about the

Company, you are prohibited from trading in Company Securities, even if the Trading Window is open,

general

ly.

ii. Questions. If you have any questions as to whether any information you have about the Company or another

entity you believe may be an Other Entity, is Material Information or is Material Nonpublic Information about

the Company or an Other Entity, and you are contemplating a transaction in Company Securities or the Other

Entity's Third Party Securities, you must contact the Shareholder Relations Officer or the Chief Financial

Officer (or if neither of these persons is available, the Company's Chief Executive Officer) at least two (2)

business days prior to executing the transaction to determine if you may properly proceed. Section 16 Persons

should be particularly careful to avoid even the

*appearance* 

of engaging in improper securities transactions.

#### WHEN IN DOUBT, DO NOT TRADE.
iii. Requests for Information. You should be alert to anyone who appears to be asking you for Material Nonpublic

Information of any kind about the Company or Other Entities. If you receive such a request for information,

comments or interviews regarding the Company (other than routine product or services inquiries) or Other

Entities that may result in the dissemination of Material Information or Material Nonpublic Information, you

must direct the request to the Company's Shareholder Relations Officer or Chief Financial Officer, or if he or she

is unavailable or is a party to such transaction, the Chief Executive Officer, so that an authorized Company

spokesperson may determine whether or how to respond to any such request consistent with the applicable

securities Company's obligations under SEC Regulation Fair Disclosure ("Reg. FD") and the Company's then

current disclosure policy

#### .
iv. No Exceptions to Policy. There are no exceptions to this Policy, including for emergencies or to avoid hardship

*.* 

One of the Company's responsibilities as a public company is to enforce this Policy. Except as specifically

permitted by this Policy (for example, in the case of Non-Market Transactions and transactions pursuant to a

Rule 10b5-1 Plan), you must refrain from a transaction even if you planned or committed to the transaction

before you came into possession of the Material Nonpublic Information, regardless of the economic loss you

believe you might suffer as a consequence of not trading. Also, if you are in possession of Material Nonpublic

information, it does not matter that publicly disclosed information might provide an independent basis for

engaging in the transaction.

#### EXCEPT AS SPECIFICALLY PERMITTED BY THIS POLICY, YOU

#### CANNOT TRADE IN SECURITIES WHILE IN POSSESSION OF MATERIAL NONPUBLIC

#### INFORMATION.
v. Size of a Securities Transaction. The size or amount of a securities transaction is irrelevant. There are no dollar

minimums or limits on the size of a transaction that will trigger insider trading liability or a violation of this

Policy or applicable insider trading laws. The SEC and the United States Department of Justice have pursued

relatively small trades, and the Company does not permit any Insider Trading, even if the trades are small. In

addition, you can be subject to civil and criminal penalties, even if you receive no monetary benefit from

disclosing or using Material Nonpublic Information. **IV.**

#### Consequences for Violations of this Policy and Exchange Act, Section 16(b)
Failure to comply with this Policy could result in a serious violation of Securities Laws by you and/or the Company, and

may

subject you to civil and criminal penalties described in Article I above. In addition to any criminal or civil penalties

prescribed by law, violation of this Policy constitutes grounds for adverse actions by the Company, including termination

of your employment for cause, or with respect to Representatives, the termination of any relationship with the Company.

Exchange Act Section 16(b) imposes liability on Section 16 Persons for any profit derived by them as the result of a

purchase and sale occurring within any six-month period. Any excess of the sale price over the purchase price is

considered "profit," and must be paid to the Company. It does not matter whether the purchase or the sale occurs first,

and it is not necessary for the same shares to be involved in each of the matched transactions. Transactions are paired so

as to extract the maximum profit by matching the lowest purchase price and the highest sale price within a six-month

period; losses cannot be offset against gains. The result is that liability may exist under Section 16(b) even though an

insider's overall trading in the stock resulted in a loss.

If Section 16 Persons engage in transactions after they are no longer executive officers or directors, such transactions can

be matched for Section 16(b) purposes if these occur within six months of an opposite-way transaction which occurred

while such person was still a Section 16 Person of the Company.

Good faith or inadvertence on the part of a Section 16 Person is no defense to liability under Section 16(b) and no

knowledge of inside information needs to be involved. If the Company itself does not press a claim for recovery of the

short-swing profit, any stockholder may do so on behalf of the Company (and may be awarded attorneys' fees as well).

Section 16(b) plaintiffs' attorneys monitor insiders' Section 16 reports and request that the Section Person restore any

profit made or loss avoided to the Company and pay their legal fees. **V.**

#### Rule 10b5-1 Plans and Similar Trading Arrangements
Rule 10b5-1 Plans

SEC Rule 10b5-1, as amended, provides an affirmative defense from insider trading liability, and permits purchases and

sales Company Securities under a qualifying Rule 10b5-1 plan ("Rule 10b5 -1 Plan") without regard to certain insider

trading restrictions. A Covered Person Policy must enter into a Rule 10b5-1 plan for transactions in Company Securities

that is approved in advance by the Company and meets the conditions in Rule 10b5-1. A Covered Person may only enter

into a Rule 10b5-1 Plan when that person is not aware of Material Nonpublic Information.

A Rule 10b5-1 Plan must be a binding contract to purchase or sell a Company Security, instructed another person to

purchase or sell the security for the instructing person's account, or adopt a written plan for trading securities. The Rule

10b5-1 Plan must: •

specify the amount of securities to be bought or sold, and the price and date for the transaction; •

includes a written formula, algorithm or computer program for determining the amount, price and date of the

purchase or sale; or •

does not permit the person to exercise any subsequent influence over how, when or whether to effect

purchases or sales, while at the same time ensuring that any person effecting trades under the Rule 10b5-1

Plan is not aware of any material nonpublic information while doing so.

Once a Rule 10b5-1 Plan is adopted, the person must not exercise any influence over the number of securities to be

traded, the price at which they are traded or the date of the trade. The Rule 10b5 -1 Plan must either specify the amount,

pricing and timing of transactions in advance or delegate discretion on these matters to an independent third party.

Any Rule 10b5-1 Plan must be submitted to the Company for prior approval at least 10 business days prior to the entry

into the Rule 10b5-1 Plan. In order for a Rule 10b5-1 Plan to be approved, the following requirements must be

observed:

• the person adopting the Rule 10b5-1 Plan must include a representation certifying that he or she is adopting the

plan in good faith, at a time when he or she is not in possession of material nonpublic information and not as part

of a plan to evade insider trading prohibitions.

• the Rule 10b5-1 Plan must include a cooling-off period between the adoption of the Rule 10b5-1 Plan and the

first trade under the Rule 10b5-1 Plan. For Section 16 Persons, the cooling off period is of the later of (A) 90

days after the adoption of the Rule 10b5-1 Plan and (B) two business days following the disclosure of the

Company's financial results on a Form 10-Q or Form 10-K for the completed fiscal quarter in which the Rule

10b5-1 Plan is adopted; provided, in no event will the required cooling-off period exceed 120 days following the

adoption of the Rule 10b5-1 Plan. For all other Covered Persons, the cooling off period is at least 30 days after

the adoption of the Rule 10b5-1 Plan. •

Covered Persons may not have more than one Rule 10b5-1 Plan in effect at the same time other than under the

following limited exceptions: (i) a series of separate contracts with different broker-dealers or other agents to

execute trades that are treated as part of a single plan, provided that the contracts taken as a whole meet the

conditions of Rule10b5-1 and remain subject to such Rule; (ii) one later-commencing Rule 10b5-1 Plan for

purchases or sales of securities in the open market under which trading is not authorized to begin until after all

trades under the earlier-commencing Rule 10b5-1 Plan have been completed or have expired without execution;

and (iii) a Rule 10b5-1 Plan that authorizes an agent to sell only securities that are necessary to satisfy tax

withholding obligations arising exclusively from the vesting of compensatory awards such as restricted stock or

stock appreciation rights and the person does not exercise control over the timing of sales ("sell-to-cover

transactions"). •

a Covered Person may not have more than one Rule 10b5-1 Plan that is intended to effect open-market purchases

or sales of a total amount of securities as a single transaction in any 12-month period (other than sell-to-cover

transactions for tax withholding purposes); and

In addition, there are various other conditions, disclosure and filing requirements on users of such plans and the Company:

• That the person establishing such 10b5-1 plan did not have any other contracts, instructions, or plans that would

qualify under Rule 10b5-1(c)(1), except for specified exceptions available under such Rule 10b5-1 when such

person entered into such the 10b5-1 plan;

• Quarterly disclosures by the Company of the use of 10b5-1 plans and similar "Non-Rule 10b5-1 trading

arrangements," by the Company's directors and officers;

• Annual disclosure of the Company's insider trading policies and procedures; and

• A requirement that Section 16 Persons report transactions in the Rule 10b5-1 Plan timely on SEC Forms 4 and 5

and indicate on that such transactions were intended to satisfy the affirmative defense conditions of Rule10b5-1.

Non-Rule 10b5-1 Trading Arrangements

Non-Rule 10b5-1 Trading Arrangements are similar to Rule 10b5-1 Plans, that are intended to satisfy the affirmative

defense of Rule 10b5-1, but do not include either the cooling off or certification provisions required for Rule 10b5-1

Plans. Non-Rule 10b5-1 Trading Arrangements must be submitted to the Company for prior approval and include the

same information as Rule 10b5-1 Plans, as applicable, to the Company at least 10 business days prior to the entry into the

Rule 10b5-1 Plan.

Please contact the Shareholder Relations Officer or Chief Financial Officer at least 10 business days in advance of

establishing any Rule 10b5-1 Plan, Non-Rule 10b5-1 Trading Arrangement or other trading plan, and coordinate with

those officers so that you and the Company can comply with the SEC requirements, including receipt of trade

confirmations and timely reporting of all transactions on SEC Form 4 and other Section 16 Filings. **VI.**

#### Company Trading in its Securities
The Company's Policy on trading in its securities is attached as Exhibit A. **VII.**

#### Certain Reporting
The Company is required to publicly disclose information filed by Section 16 Persons and this Policy. SEC Form 3, 4 or 5

filings by Section 16 Persons are posted by the Company on its website. The Company's proxy statement for its annual

shareholders' meeting is required to include disclosure of delinquent Section 16 reports by the Company's Section 16

Persons. Such reports include the names of delinquent filers, the number of late reports, the number of transactions that

were not reported on a timely basis, and any known failure to file a required form.

The Company's annual and quarterly reports are required to disclose the adoption and termination of 10b5-1 Plans and

any contract, instruction or arrangement (each, an "arrangement") under Rule 10b5-1 or otherwise, including Non-Rule

10b5-1 Plans, by Company Section 16 Persons in the Company's annual and quarterly reports on SEC Forms 10-Q and

10-K, , including the material terms thereof, such as the name and title of the director or executive officer, the date of

adoption or termination of the plan or arrangement, the duration of the plan or arrangement and the aggregate number of

shares to be purchased or sold pursuant to the plan or arrangement.

This Policy is filed with the SEC. **VIII.**

#### Definitions
The following defined terms are provided for ease of reference. Additionally, as used in this Policy, the singular includes

the plural and vice versa, and any reference to gender includes all genders. The words "include," "including" or any

derivation thereof are not limited by virtue of any enumeration and shall be deemed followed by the words "without

limitation."

"Company Securities" means all Securities issued by the Company or its subsidiaries, including Company common stock.

"Derivative Securities" are swaps, options, warrants, restricted stock units, stock and other appreciation rights or similar

rights or other instruments, including other Awards, whose value is derived from the value of an equity or other security,

including Company Securities.

"Exchange Act" means the means the federal Securities Exchange Act of 1934, and the SEC rules and regulations

thereunder, each as amended and in effect.

"Insider" is a person who is in possession of Material Nonpublic Information concerning the Company or another entity

by reason of his or her affiliation with the Company. This includes all Covered Persons. For purposes of this Policy, any

family member who lives in the same household as an Insider is also considered an Insider.

"Market Professional" is any person who is, or is associated with (i) a securities broker-dealer, (ii) an investment adviser

or certain institutional investment managers, and (iii) investment companies, private equity and hedge funds, other funds

and family offices, and their affiliated persons. These categories include sell-side analysts, buy-side analysts, institutional

investment managers and other market professionals who may be likely to trade on the basis of selectively disclosed

information.

"Material Information" is information that a reasonable investor would consider important in deciding whether to buy,

hold or sell securities. "Materiality" is fact-specific, and it is not possible to define all categories of Material Information or

determine whether specific information is Material outside its particular factual context, the following types of

information typically are regarded as Material. The following are examples only, and this list is not intended to be and is

not a complete or exclusive list of all information that may be Material:

• Revenue, including revenue growth rates; •

Gross and net interest margins and spreads including projections of such items; •

Earnings, including estimates on future earnings and changes in earnings guidance; •

Changes in credit quality, provisions for loan losses and potential losses outside the ordinary course of business; •

Liquidity; •

Proposals, plans or agreements (whether or not binding) regarding mergers, acquisitions, divestitures, tender

offers, joint ventures, strategic alliances or purchase or sales of material assets or securities outside the ordinary

course;

• Significant regulatory developments affecting the Company or its subsidiaries; •

Developments regarding customers (when applicable) or strategic partners (including the acquisition or loss of an

important contract or relationship); •

Changes in business plans or strategies •

Changes in senior management or auditors; •

Changes in compensation policy; •

A change in auditors or auditor notification that the Company may no longer rely on an audit report, or that the

auditor is resigning or declining to be reappointed; •

Financings and other events, plans or proposals regarding the Company's Securities (e.g., defaults on debt

Securities, calls of Securities for redemption, repurchase plans, stock splits, proposed

public

or private offerings or

sales of Company Securities, tender offers, and repurchases of Securities); •

Material litigation or governmental investigations or proceedings; •

Material data or cybersecurity breaches; •

Bankruptcy, corporate restructurings or receivership; and •

Any factor that would cause the Company's financial results to be substantially different from the Company's

publicly announced projections, analyst estimates, prior trends or previous filings.

Material Information also could be information similar to that in the above list relating to any other person or entity with

which the Company does business with or is involved in a business relationship, or potential business relationship or

transaction, such as, for example, an existing or potential customer, counterparty, vendor, strategic partner, potential

merger partner or large shareholder.

"Material Nonpublic Information" means Material Information that has not been Publicly Disclosed by the Company or a

third party, as applicable.

"Publicly Disclosed" or "Public Disclosure" means a communication or series of communications calculated to reach the

general public, such as a press release widely disseminated, including over a national wire service, a SEC Form 8-K or

other public filing with the SEC, or a public webcast presentation. Generally, disclosure to a large group of financial

analysts, other Market Professionals or investors, or comments made in interviews or via social media do

#### not
constitute

Public Disclosure, unless the information has been previously Publicly Disclosed or until such information is Publicly

Disclosed. Generally, Public Disclosure will be deemed to have been accomplished by the close of business immediately

following the second full trading day after such information is publicly disclosed as manner described above.

"Rule 10b5-1" means SEC Rule 10b5-1 as amended and in effect on any date of determination.

"Rule 10b5-1 Plan" generally is a written plan that has been adopted and implemented by a Covered Person for

purchasing or selling Company Securities that meets each of the requirements under SEC Rule 10b5-1, including: (1) the

plan is adopted during a period when the quarterly Trading Window is open and no Blackout Notice or other trading

restrictions have been imposed; (2) the plan is adopted during a period when the individual is not in possession of Material

Nonpublic Information; (3) purchasing or selling under the plan does not commence until after the applicable cooling off period

in Rule 10b5-1(c)(ii); (4) the plan is adhered to strictly; (5) the plan either (a) specifies the amount of Securities to be

purchased or

sold and the date on which the Securities are to be

purchased or

sold, (b) includes a written formula or algorithm,

or computer program, for determining the amount of Securities to be sold and the price at which and the date on which the

Securities are to be purchased or sold, or (c) does not permit any Insider to exercise any subsequent influence over how,

when, or whether to effect sales;

*provided that*

any other person who, pursuant to the contract, instruction, or plan, did

exercise such influence must not have been aware of the Material Nonpublic Information when doing so; and (6) at the

time it is adopted the plan conforms to all other requirements of SEC Rule 10b5-1

"SEC" means the United States Securities and Exchange Commission.

"Section 16" means Section 16 of the Exchange Act.

"Section 16 Person" means any Company director, executive officer described in SEC Rule 16a -1(f) under the Securities

Exchange Act, including the Company's president, principal financial officer, principal accounting officer (or, if there is

no such accounting officer, the controller), any vice-president of the Company identified by the Company who is in

charge of a principal business unit, division or function, any other officer who performs a policy -making function, any

other person who performs similar policy-making functions for the Company, and shareholders of the Company holding

10% or more of the Company's outstanding common stock. Officers of the Company's subsidiaries (or any parent

company, if any) are deemed officers of the Company, if they perform such policy-making functions for the Company.

"Securities" includes common stock, preferred stock, options, warrants, restricted stock, restricted stock units, stock

appreciation rights, debentures and

derivatives, including

all other securities of an entity the value of which is related to or

derived from an entity's common stock or other securities.

"Securities Act" means the federal Securities Act of 1933, and the SEC rules and regulations thereunder, each as

amended and in effect.

"Securities Laws" means the Securities Act of 1933, the Exchange Act (the "U.S. Securities Laws"), and all applicable

State Securities Laws, domestic and foreign.

"Tip" and "Tipping" refer to when a person subject to this Policy discloses material nonpublic information about the

Company or another company to another person or recommends that another person trade in the securities of any company

while in possession of Material Nonpublic information about that company and the other person either: (i) trades that

company's securities while in possession of that material nonpublic information; or (ii) provides the material nonpublic

information to a third party who then trades in such company's securities. Tipping is illegal even if you do not personally

make a trade or otherwise benefit monetarily from disclosing Material Nonpublic Information.

#### Exhibit A

#### Auburn National Bancorporation, Inc.

#### Policy on Company Trading in its Securities
Auburn National Bancorporation, Inc. and its subsidiari es (the "Company") may, from time to time, in the future, issue or

repurchase their own securities, but do not otherwise trade in their securities. Any such issuances or repurchases of

Company securities will be reasonably designed to promote compliance with (i) the Nasdaq listing standards applicable to

the Company, and (ii) any insider trading laws that are applicable to the Company in connection to such transactions.

## Exhibit 21.1

#### AUBURN NATIONAL BANCORPORATION, INC. AND SUBSIDIARIES

#### EXHIBIT 21.1 - SUBSIDIARIES

#### DIRECT SUBSIDIARIES

#### JURISDICTION OF INCORPORATION

#### AuburnBank

#### Alabama

#### INDIRECT SUBSIDIARIES

#### Banc of Auburn, Inc.

#### Alabama

#### Auburn Mortgage Corporation

#### Alabama

## Exhibit 23.1

#### AUBURN NATIONAL BANCORPORATION, INC. AND SUBSIDIARIES

#### Exhibit 23.1 Consent of Independent Registered Public Accounting Firm
We consent to the incorporation by reference in the Registration Statement No. 333-283711 on Form S-8 and the

Registration Statement No. 333-03516 on Form S-3 of Auburn National Bancorporation, Inc. of our report dated March 17,

2026, relating to the consolidated financial statements of Auburn National Bancorporation, Inc. and Subsidiaries, appearing

in this Annual Report on Form 10-K of Auburn National Bancorporation, Inc. for the year ended December 31, 2025.

/s/ Elliott Davis, LLC

Greenville, South Carolina

March 17, 2026

## Exhibit 31.1

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 31.1
CERTIFICATION PURSUANT TO

RULE 13a-14 OF THE SECURITIES EXCHANGE ACT OF 1934,

AS ADOPTED PURSUANT TO

SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

#### CERTIFICATION
I, David A. Hedges, certify that:

1. I have reviewed this Annual Report on Form 10-K of Auburn National Bancorporation, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material

fact necessary to make the statements made, in light of the circumstances under which such statements were made, not

misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in

all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods

presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and

procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as

defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in

which this report is being prepared;

b)

Designed such internal control over financial reporting, or caused such internal control over financial reporting to

be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting

and the preparation of financial statements for external purposes in accordance with generally accepted

accounting principles;

c)

Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our

conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered

by this report based on such evaluation; and

d)

Disclosed in this report any change in the registrant's internal control over financial reporting that occurred

during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual

report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control

over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons

performing the equivalent functions):

a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial

reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and

report financial information; and

b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in

the registrant's internal control over financial reporting.

Date: March 17, 2026

/s/ David A. Hedges

President and CEO

## Exhibit 31.2

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 31.2
CERTIFICATION PURSUANT TO

RULE 13a-14 OF THE SECURITIES EXCHANGE ACT OF 1934,

AS ADOPTED PURSUANT TO

SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

#### CERTIFICATION
I, W. James Walker, IV, certify that:

1. I have reviewed this Annual Report on Form 10-K of Auburn National Bancorporation, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material

fact necessary to make the statements made, in light of the circumstances under which such statements were made, not

misleading with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in

all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods

presented in this report;

4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and

procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as

defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)

Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be

designed under our supervision, to ensure that material information relating to the registrant, including its

consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in

which this report is being prepared;

b)

Designed such internal control over financial reporting, or caused such internal control over financial reporting to

be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting

and the preparation of financial statements for external purposes in accordance with generally accepted

accounting principles;

c)

Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our

conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered

by this report based on such evaluation; and

d)

Disclosed in this report any change in the registrant's internal control over financial reporting that occurred

during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual

report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control

over financial reporting; and

5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons

performing the equivalent functions):

a)

All significant deficiencies and material weaknesses in the design or operation of internal control over financial

reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and

report financial information; and

b)

Any fraud, whether or not material, that involves management or other employees who have a significant role in

the registrant's internal control over financial reporting.

Date: March 17, 2026

/s/ W. James Walker, IV

SVP, Chief Financial Officer

## Exhibit 32.1

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 32.1
CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Auburn National Bancorporation, Inc. (the "Company") on Form 10-K for the

period ending December 31, 2025, as filed with the Securities and Exchange Commission as of the date hereof (the

"Report"), I, David A. Hedges, President and Chief Executive Officer, certify, pursuant to 18 U.S.C. § 1350, as adopted

pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act

of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

Date: March 17, 2026

/s/ David A. Hedges

David A. Hedges

President and CEO

This certification accompanies this Annual Report and shall not be deemed "filed" for purposes of Section 18 of the

Securities Exchange Act of 1934, or otherwise subject to the liability of that Section. This certification will not be deemed

to be incorporated by reference into any filing under the Securities Exchange Act of 1934, except to the extent that the

registrant specifically incorporates it by reference.

A signed original of this written statement required by Section 906 has been provided to, and will be retained by, Auburn

National Bancorporation, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.

## Exhibit 32.2

#### AUBURN NATIONAL BANCORPORATION, INC AND SUBSIDIARIES

#### EXHIBIT 32.2
CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Auburn National Bancorporation, Inc. (the "Company") on Form 10-K for the

period ending December 31, 2025, as filed with the Securities and Exchange Commission as of the date hereof (the

"Report"), I, W. James Walker, IV, Senior Vice President, Chief Financial Officer, certify, pursuant to 18 U.S.C. § 1350, as

adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act

of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and

results of operations of the Company.

Date: March 17, 2026

/s/ W. James Walker, IV

W. James Walker, IV

SVP, Chief Financial Officer

This certification accompanies this Annual Report and shall not be deemed "filed" for purposes of Section 18 of the

Securities Exchange Act of 1934, or otherwise subject to the liability of that Section. This certification will not be deemed

to be incorporated by reference into any filing under the Securities Exchange Act of 1934, except to the extent that the

registrant specifically incorporates it by reference.

A signed original of this written statement required by Section 906 has been provided to, and will be retained by, Auburn

National Bancorporation, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.