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Ames National Corporation (ATLO) investor relations material
Ames National Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Net income for Q2 2025 was $4.5 million ($0.51 per share), up from $2.2 million ($0.24 per share) in Q2 2024, driven by higher net interest income and lower funding costs as borrowings decreased and market rates fell.
For the six months ended June 30, 2025, net income was $8.0 million ($0.89 per share), a 77% increase year-over-year, with improved loan yields and reduced borrowings.
Efficiency ratio improved to 64.34% in Q2 2025 from 79.61% in Q2 2024, reflecting better cost management and higher net interest margin.
Financial highlights
Net interest income for Q2 2025 was $13.5 million, up 23.9% year-over-year; net interest margin (FTE) rose to 2.65% from 2.14%.
Noninterest income for Q2 2025 was $2.64 million, up 0.8% year-over-year; noninterest expense decreased 3.5% to $10.4 million.
For the six months ended June 30, 2025, net interest income was $26.4 million (up from $21.8 million), and noninterest income rose 8.2% to $5.2 million.
Return on average assets was 0.85% and return on average equity was 9.67% for Q2 2025.
Total assets as of June 30, 2025 were $2.09 billion, down $40.3 million from December 31, 2024, mainly due to lower loans and interest-bearing deposits.
Outlook and guidance
Management expects liquidity sources to remain sufficient to support operations for the foreseeable future.
No material capital expenditures or changes in capital resource mix are anticipated; dividend policy expected to continue subject to board discretion.
Forward-looking statements caution that results may vary due to economic, regulatory, and market risks.
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Next Ames National Corporation earnings date
Q3 202524 Oct, 2025
Next Ames National Corporation earnings date
Q3 202524 Oct, 2025
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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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