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 | |