)
Visual
test
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
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and strategic spin-offs for future growth. - 6 FebCRIH1 2025 saw a return to profit, record revenues, and strong cash from major space projects.
- 6 FebSCW
Q2 2025 revenue up 120% y/y, driven by record Asian contract and backlog growth. - 6 FebSCWRevenue up 89% y/y, record backlog, and new strategy for European optical payload leadership.
- 6 FebSCWQ2 2024 revenue up 115% y/y, backlog nearly doubled, driven by major space contracts.
- 6 FebSCWSpace segment drives 29% revenue growth, strong backlog and contracts support 2025 outlook.
- 6 FebSCW73% revenue growth, record backlog, and major space contracts drive expansion and investment.
- 6 FebPENG
All proposals passed, with no questions raised and results to be filed on Form 8-K. - 6 FebSCWQ1 2025 revenue surged 97% year-over-year, with strong backlog and new contracts secured.
- 6 FebCRIRevenue up sharply, net loss reduced, and strong cash inflow from share issue and contracts.
Next Ames National earnings date
Q1 202616 Apr, 2026
Ames National
Next Ames National earnings date
Q1 202616 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage