Marshalltown, IA · Cert 57391 · Ames National Corp.
State charter, non-member · FDIC · 2 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 under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
60
Profitability
59
Liquidity
39
Efficiency
25
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.
Marshalltown, IA · Cert 57391 · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 2 branches (19 in holding)
Q2 2026
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 | 0.79% | 0.88% | 0.95% | 1.08% | 1.18% | 1.22% | 1.29% | 1.24% | +16 bps | |
| Return on Equity | 9.32% | 10.45% | 11.18% | 12.36% | 13.10% | 13.32% | 13.23% | 12.66% | +30 bps | |
| Net Interest Margin | 2.70% | 2.66% | 2.85% | 2.97% | 3.09% | 3.12% | 3.32% | 3.44% | +47 bps | |
| Efficiency Ratio | 68.21% | 66.59% | 61.94% | 60.32% | 58.85% | 58.55% | 59.50% | 59.04% | -128 bps | |
| Non-Interest Burden | 1.65% | 1.57% | 1.56% | 1.57% | 1.57% | 1.56% | 1.73% | 1.87% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 9.90% | 1.64% | 1.16% | -2.53% | -5.64% | -3.76% | -0.97% | -213 bps | |
| Loan Growth (YoY) | 8.80% | 1.80% | 2.99% | -2.14% | -4.37% | -2.82% | -7.62% | -5.93% | -379 bps | |
| Deposit Growth (YoY) | -0.20% | 11.74% | -0.36% | -0.95% | -2.82% | -8.06% | -4.46% | -0.55% | +40 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 1.61% | 1.50% | 1.48% | 1.52% | 1.48% | 1.75% | 1.57% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.37% | 1.36% | 1.33% | 1.33% | 1.33% | 1.32% | 1.29% | 1.31% | -3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.9x | 0.9x | 0.9x | 0.9x | 0.7x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.88% | 9.60% | 9.58% | 9.77% | 10.15% | 10.21% | 10.52% | 10.46% | +69 bps | |
| Total Risk-Based Capital | 15.66% | 16.35% | 16.09% | 16.46% | 17.22% | 17.30% | 17.60% | 17.70% | +124 bps | |
| Equity / Assets | 8.93% | 8.14% | 8.81% | 9.34% | 9.74% | 9.70% | 9.86% | 9.94% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.29% | 60.08% | 67.47% | 68.26% | 67.21% | 63.50% | 65.23% | 64.56% | -370 bps | |
| Liquid Assets / Assets | 0.97% | 6.45% | 3.20% | 5.85% | 6.95% | 9.13% | 9.13% | 7.14% | +129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 219% | 217% | 226% | n/a | n/a | |
Marshalltown, IA · Cert 57391 · Peer group: banks under $1B in assets in IA (n=134-135) · Ames National Corp.
State charter, non-member · FDIC · 5 affiliate banks · 2 branches (19 in holding)
Q2 2026
Return on Assets
1.25%
Rank 62 of 135
Net Interest Margin
3.44%
Rank 64 of 135
Efficiency Ratio
63.29%
Rank 102 of 135
Equity / Assets
9.94%
Rank 97 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.92% | 1.19% | 1.47% | Beats 54% | 62 / 135 | ||
| Return on Equity | 12.60% | 7.99% | 10.26% | 13.14% | Beats 69% | 42 / 135 | ||
| Net Interest Margin | 3.44% | 2.95% | 3.41% | 3.73% | Beats 53% | 64 / 135 | ||
| Efficiency Ratio | 63.29% | 50.61% | 57.35% | 63.29% | Beats 25% | 102 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.57% | 0.03% | 0.51% | 1.26% | Beats 19% | 109 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.47% | 11.23% | 13.31% | 15.45% | Beats 81% | 25 / 135 | ||
| Total Risk-Based Capital Ratio | 17.70% | 11.61% | 14.06% | 16.47% | Beats 83% | 23 / 135 | ||
| Equity / Assets | 9.94% | 9.87% | 11.05% | 13.07% | Beats 28% | 97 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.56% | 68.54% | 81.55% | 91.24% | 18th pctl | 110 / 134 | ||
| Loans / Assets | 57.35% | 57.61% | 68.06% | 76.23% | 23rd pctl | 104 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||