Boone, IA · Cert 33552 · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 2 branches (19 in holding)
Q2 2026
Market Position · Ames, IA · 2026 SOD (annual) · 3.7% share · #9 of 26 inst. · $0.1B of $3.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.69% | 0.70% | 0.96% | 0.77% | +11 bps | |
| Return on Equity | 9.41% | 9.36% | 9.20% | 12.43% | 9.76% | +35 bps | |
| Net Interest Margin | 2.29% | 2.25% | 2.38% | 2.47% | 2.54% | +25 bps | |
| Efficiency Ratio | 66.88% | 66.13% | 65.27% | 61.23% | 57.74% | -913 bps | |
| Non-Interest Burden | 1.41% | 1.32% | 1.42% | 1.34% | 1.24% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.00% | -0.62% | 2.36% | -0.91% | -0.55% | +45 bps | |
| Loan Growth (YoY) | 9.71% | 5.93% | 5.46% | 3.62% | 6.68% | -303 bps | |
| Deposit Growth (YoY) | -5.83% | -1.26% | -2.57% | -2.02% | 2.03% | +786 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.92% | 2.45% | +245 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.31% | 1.26% | 1.40% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.7x | 0.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.50% | 9.44% | 9.74% | 9.72% | +50 bps | |
| Total Risk-Based Capital | 13.55% | 13.53% | 13.72% | 13.92% | 14.53% | +98 bps | |
| Equity / Assets | 7.56% | 7.14% | 8.14% | 7.37% | 8.38% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.16% | 46.56% | 54.27% | 47.65% | 55.58% | +242 bps | |
| Liquid Assets / Assets | 0.23% | 8.98% | 0.41% | 8.62% | 0.48% | +26 bps | |
| CRE / Total Capital | n/a | 166.63% | 165.64% | 169.98% | n/a | n/a | |