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 | |