Ames, IA · Cert 1545 · Ames National Corp.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
56
Profitability
43
Liquidity
20
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ames, IA · Cert 1545 · Ames National Corp.
National charter · OCC · 5 affiliate banks · 9 branches (19 in holding)
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 17.6% share · #1 of 26 inst. · $0.7B of $3.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.47% | 0.41% | 0.68% | 0.72% | 0.91% | 1.17% | 1.23% | +55 bps | |
| Return on Equity | 5.11% | 5.98% | 4.95% | 7.96% | 8.26% | 10.28% | 12.42% | 13.06% | +509 bps | |
| Net Interest Margin | 1.73% | 1.79% | 2.15% | 2.24% | 2.38% | 2.41% | 2.76% | 2.82% | +58 bps | |
| Efficiency Ratio | 81.88% | 78.86% | 68.60% | 65.78% | 64.19% | 62.00% | 56.97% | 55.23% | -1,054 bps | |
| Non-Interest Burden | 1.33% | 1.31% | 1.30% | 1.27% | 1.32% | 1.25% | 1.30% | 1.28% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.61% | -2.58% | -1.25% | -3.96% | -2.05% | 0.17% | -2.22% | 4.70% | +866 bps | |
| Loan Growth (YoY) | 2.08% | -0.83% | 0.75% | -1.59% | -1.84% | -1.17% | -2.59% | -2.12% | -53 bps | |
| Deposit Growth (YoY) | -3.33% | 1.53% | 3.77% | -1.83% | 1.07% | -0.42% | -3.33% | 4.05% | +588 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 1.63% | 1.78% | 1.63% | 1.98% | 1.43% | 1.41% | 1.41% | -23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.33% | 0.15% | 0.00% | 0.00% | 0.00% | -33 bps | |
| Allowance / Loans | 1.26% | 1.24% | 1.40% | 1.24% | 1.36% | 1.34% | 1.32% | 1.32% | +9 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.8x | 0.8x | 0.7x | 0.9x | 0.9x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 9.30% | 9.36% | 9.66% | 10.04% | 9.93% | 9.85% | 9.86% | +21 bps | |
| Total Risk-Based Capital | 14.22% | 14.57% | 14.67% | 15.04% | 15.18% | 15.51% | 15.83% | 16.21% | +117 bps | |
| Equity / Assets | 8.64% | 8.10% | 8.34% | 9.19% | 9.48% | 9.43% | 9.44% | 9.44% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.53% | 71.96% | 71.29% | 73.60% | 74.33% | 71.42% | 71.84% | 69.24% | -436 bps | |
| Liquid Assets / Assets | 0.11% | 4.32% | 7.01% | 1.86% | 2.74% | 6.06% | 3.27% | 4.64% | +278 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 411% | 402% | 387% | n/a | n/a | |
Ames, IA · Cert 1545 · Peer group: banks $1B-$10B in assets (n=322-328) · Ames National Corp.
National charter · OCC · 5 affiliate banks · 9 branches (19 in holding)
Q2 2026
Return on Assets
1.22%
Rank 164 of 328
Net Interest Margin
2.82%
Rank 280 of 328
Efficiency Ratio
55.57%
Rank 124 of 328
Equity / Assets
9.44%
Rank 222 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.91% | 1.22% | 1.52% | Beats 50% | 164 / 328 | n/a | |
| Return on Equity | 12.96% | 8.43% | 11.45% | 14.43% | Beats 63% | 120 / 328 | n/a | |
| Net Interest Margin | 2.82% | 3.03% | 3.45% | 3.83% | Beats 15% | 280 / 328 | n/a | |
| Efficiency Ratio | 55.57% | 51.61% | 59.56% | 67.53% | Beats 62% | 124 / 328 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.24% | 0.51% | 1.03% | Beats 18% | 266 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 94% | 23 / 322 | n/a | |
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.97% | 11.75% | 13.15% | 15.47% | Beats 71% | 96 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 16.21% | 12.63% | 14.15% | 16.46% | Beats 73% | 90 / 328 | n/a | |
| Equity / Assets | 9.44% | 9.15% | 10.33% | 12.01% | Beats 32% | 222 / 328 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.24% | 76.63% | 87.92% | 95.36% | 14th pctl | 278 / 323 | n/a | |
| Loans / Assets | 59.52% | 65.18% | 74.15% | 79.98% | 17th pctl | 272 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||