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Ames National
Ames National (ATLO) investor relations material
Ames National Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Net income for Q4 2025 was $6.5 million ($0.73/share), up from $3.5 million ($0.39/share) in Q4 2024; full-year 2025 net income was $19.0 million ($2.14/share), up from $10.2 million ($1.14/share) in 2024.
Earnings growth driven by higher net interest income from improved loan and investment yields and lower funding costs.
Financial highlights
Q4 2025 net interest income rose 25.7% year-over-year to $15.2 million; full-year net interest income increased 23.8% to $55.7 million.
Net interest margin improved to 3.00% in Q4 2025 (from 2.38% in Q4 2024) and 2.75% for the year (from 2.22%).
Noninterest income grew 31.2% in Q4 2025 and 13.4% for the year, mainly from wealth management and real estate gains.
Noninterest expense rose 4.9% in Q4 2025 but was flat for the year; efficiency ratio improved to 59.22% in Q4 and 62.74% for the year.
Return on average assets was 1.24% in Q4 2025 (0.66% in Q4 2024) and 0.90% for the year (0.48% in 2024).
Outlook and guidance
2026 earnings forecasted at $2.70–$2.80 per share, up from $2.14 in 2025, driven by anticipated net interest margin improvement as assets reprice at higher rates and funding costs decline.
Impact of 2026 maturing assets on NIM
Mitigation for multi-family loan weakening
Strategy for indexed deposit cost reduction
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Next Ames National earnings date
Q1 202616 Apr, 2026
Ames National
Next Ames National earnings date
Q1 202616 Apr, 2026
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Frequently asked questions
Ames National Corporation operates as a multi-bank holding company. Through its subsidiaries, the company provides a broad range of banking services across central, north central, and south-central Iowa. Key offerings include various deposit products such as checking, savings, and time deposits, along with a comprehensive suite of loan services including commercial, agricultural, residential real estate, and personal loans. Additionally, the company offers specialized financial services like cash management, merchant credit card processing, and wealth management services. Ames National also provides farm management, investment, and custodial services, catering to individuals, businesses, and non-profit organizations. The company is headquartered in Ames, Iowa, and its shares are listed on the NASDAQ.
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