First National Bank Ames, Iowa
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
$1.1BAssets
$661.6MLoans
$955.6MDeposits
$104.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets (rank 23 of 322).
- Widest gap: net interest margin trails 85% of banks $1B-$10B in assets (rank 280 of 328).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.4M · efficiency ratio beats 62% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.91% | 1.22% | 1.52% | Beats 50% | 164 / 328 | |
| Return on Equity | 12.96% | 8.43% | 11.45% | 14.43% | Beats 63% | 120 / 328 | |
| Net Interest Margin | 2.82% | 3.03% | 3.45% | 3.83% | Beats 15% | 280 / 328 | |
| Efficiency Ratio | 55.57% | 51.61% | 59.56% | 67.53% | Beats 62% | 124 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.41% | 0.24% | 0.51% | 1.03% | Beats 18% | 266 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 94% | 23 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.97% | 11.75% | 13.15% | 15.47% | Beats 71% | 96 / 328 | |
| Total Risk-Based Capital Ratio | 16.21% | 12.63% | 14.15% | 16.46% | Beats 73% | 90 / 328 | |
| Equity / Assets | 9.44% | 9.15% | 10.33% | 12.01% | Beats 32% | 222 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 69.24% | 76.63% | 87.92% | 95.36% | 14th pctl | 278 / 323 | |
| Loans / Assets | 59.52% | 65.18% | 74.15% | 79.98% | 17th pctl | 272 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |