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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

$7.0M$21.4MINCOMEEXPENSE
Unfavorable gap of $14.4M · efficiency ratio beats 62% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%0.91%1.22%1.52%Beats 50%164 / 328n/a
Return on Equity12.96%8.43%11.45%14.43%Beats 63%120 / 328n/a
Net Interest Margin2.82%3.03%3.45%3.83%Beats 15%280 / 328n/a
Efficiency Ratio55.57%51.61%59.56%67.53%Beats 62%124 / 328n/a
Asset Quality
Nonperforming Loans / Loans1.41%0.24%0.51%1.03%Beats 18%266 / 322n/a
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 94%23 / 322n/a
Capital
Tier 1 Capital Ratio14.97%11.75%13.15%15.47%Beats 71%96 / 328n/a
Total Risk-Based Capital Ratio16.21%12.63%14.15%16.46%Beats 73%90 / 328n/a
Equity / Assets9.44%9.15%10.33%12.01%Beats 32%222 / 328n/a
Liquidity & Funding
Loans / Deposits69.24%76.63%87.92%95.36%14th pctl278 / 323n/a
Loans / Assets59.52%65.18%74.15%79.98%17th pctl272 / 328n/a
Brokered Deposits / Depositsn/aNot reported for this institution