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Ames National Corporation (ATLO) investor relations material
Ames National Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Oct, 2025
Executive summary
Net income for Q3 2025 was $4.6 million ($0.51 per share), up from $2.2 million ($0.25 per share) in Q3 2024, driven by higher net interest income and lower funding costs.
Nine-month net income reached $12.5 million ($1.41 per share), compared to $6.7 million ($0.75 per share) for the same period in 2024.
Earnings growth was supported by improved loan and investment yields and reduced funding costs.
Financial highlights
Net interest income for Q3 2025 rose to $14.0 million from $11.1 million in Q3 2024; net interest margin increased to 2.83% from 2.21%.
Noninterest income for Q3 2025 was $2.5 million, up 5% year-over-year, mainly from wealth management.
Noninterest expense decreased 2.5% in Q3 2025, aided by lower consultant fees.
Efficiency ratio improved to 61.76% in Q3 2025 from 77.87% in Q3 2024.
Return on average assets was 0.88% and return on average equity was 9.31% for Q3 2025.
Outlook and guidance
Management expects liquidity sources to be sufficient to support operations for the foreseeable future.
No material changes in risk factors or capital resource needs are anticipated.
Forward-looking statements are subject to risks including economic conditions, interest rates, and regulatory changes.
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Q4 202522 Jan, 2026
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Q4 202522 Jan, 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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