Story City, IA · Cert 9299 · 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) · 2.6% share · #11 of 26 inst. · $0.1B 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 | 0.56% | 0.61% | 1.00% | 0.67% | 0.81% | 0.84% | 0.89% | 0.82% | +15 bps | |
| Return on Equity | 7.02% | 7.63% | 11.89% | 7.87% | 9.22% | 9.35% | 9.05% | 8.25% | +38 bps | |
| Net Interest Margin | 2.14% | 2.14% | 2.56% | 2.52% | 2.65% | 2.74% | 2.79% | 2.85% | +33 bps | |
| Efficiency Ratio | 64.98% | 63.43% | 57.20% | 60.54% | 58.78% | 59.01% | 58.43% | 59.29% | -126 bps | |
| Non-Interest Burden | 1.31% | 1.27% | 1.35% | 1.42% | 1.45% | 1.50% | 1.53% | 1.60% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | -1.85% | -0.54% | -2.91% | -4.18% | -7.33% | -5.01% | -5.94% | -303 bps | |
| Loan Growth (YoY) | 7.05% | 2.95% | 4.03% | 0.47% | -1.13% | -6.90% | -5.96% | -5.27% | -574 bps | |
| Deposit Growth (YoY) | -1.26% | -2.48% | 1.08% | 1.77% | 5.03% | 2.44% | -1.61% | -2.85% | -462 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.82% | 0.79% | 0.65% | 2.70% | 1.53% | 1.50% | 3.21% | 2.95% | +25 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.08% | 0.04% | 0.03% | 0.21% | -0.07% | 0.23% | +19 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.29% | 1.50% | 1.50% | 1.34% | 1.40% | 1.39% | -11 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 2.0x | 0.6x | 1.0x | 0.9x | 0.4x | 0.5x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.66% | 8.63% | 8.80% | 8.80% | 9.20% | 9.39% | 9.56% | 9.72% | +92 bps | |
| Total Risk-Based Capital | 12.33% | 12.16% | 12.41% | 12.82% | 13.13% | 13.38% | 13.37% | 14.12% | +130 bps | |
| Equity / Assets | 8.58% | 8.09% | 8.68% | 8.97% | 9.55% | 9.87% | 9.85% | 10.29% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.57% | 87.61% | 82.25% | 83.63% | 81.49% | 79.62% | 78.62% | 81.55% | -208 bps | |
| Liquid Assets / Assets | 0.36% | 0.63% | 0.21% | 0.67% | 0.39% | 1.19% | 0.91% | 0.35% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 149.29% | 135.48% | 136.02% | n/a | n/a | |