Ames National Corporation

Ames National Corporation

ATLOยทNASDAQ

$29.11

+0.19%
Financial ServicesBanks - Regional

Ames National Corporation operates as a multi-bank holding company that provides banking products and services primarily in Boone, Clarke, Hancock, Marshall, Polk, Story, and Union counties in central, north-central, and south-central Iowa. The company accepts a range of deposits, including checking and savings accounts; and time deposits, such as money market accounts and certificates of deposit. It also provides loans, such as short-term and medium-term commercial and agricultural real estate, residential real estate loans, equipment, vehicle, and home improvement loans; personal loans and lines of credit; agricultural and business operating loans and lines of credit; and originates mortgage loans for sale into the secondary market. In addition, the company offers cash management, merchant credit card processing, safe deposit box, wire transfer, direct deposit of payroll and social security check, and automated/video teller machine access services; and automatic drafts for various accounts, as well as wealth management services. Further, it provides farm management, investment, and custodial services for individuals, businesses, and non-profit organizations; and online, mobile, and private banking services. Ames National Corporation was founded in 1903 and is based in Ames, Iowa.

At a Glance

Live Snapshot
Market Cap$257.88M
EPS2.1400
P/E Ratio13.61
Earnings Date07/24/2026
3Y-
5Y+8.0%
10Y+56.0%
3Y-3.0%
5Y+9.0%
10Y+60.0%
3Y+39.0%
5Y-1.0%
10Y+26.0%
atlo

Ames National Corporation Funding & Solvency Profile

ATLO ยท NASDAQ
Cash & Cash Equivalents20.48M
Net Receivables1.28B
Inventory0.00
Other Current Assets0.00
Total Current Assets2 B
Property, Plant & Equipment20.92M
Goodwill & Intangible Assets13.21M
Long-Term Investments0.00
Other Non-Current Assets-7.49M
Total Non-Current Assets13 M
Total Assets
2.13B

Financial Health Analysis

Current Ratio

4.95x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

9.26x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

2 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

92% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Ames National Corporation Balance Sheet

ATLO โ€ข NASDAQ

Ames National Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
20.5M
107.4M
64M
42.6M
106.1M
191.5M
143.6M
56.4M
69.4M
61.2M
51M
55.2M
47.9M
79.4M
56.6M
34.7M
43.6M
35.1M
26.7M
18.1M
656M
194.8M
736.4M
786.4M
831M
597M
479.8M
459M
495.3M
516.1M
537.6M
542.5M
580M
588.4M
508.6M
0.0
0.0
0.0
0.0
0.0
676.4M
302.2M
800.4M
829M
937.1M
788.5M
623.4M
515.4M
564.7M
577.3M
588.6M
597.7M
627.9M
667.9M
565.2M
34.7M
43.6M
35.1M
26.7M
18.1M
1.3B
13.9M
13M
11.3M
10.1M
11.1M
11.8M
9.4M
8.4M
7.8M
7.6M
7.5M
7.4M
7.2M
6.5M
6.1M
5.7M
6.7M
8M
7.9M
1.3B
13.9M
13M
11.3M
10.1M
11.1M
11.8M
9.4M
8.4M
7.8M
7.6M
7.5M
7.4M
7.2M
6.5M
6.1M
5.7M
6.7M
8M
7.9M
2B
316M
813.3M
840.3M
947.2M
799.7M
635.2M
524.8M
573.1M
585.1M
596.2M
605.2M
634.5M
675M
571.7M
40.8M
49.3M
41.7M
34.7M
25.9M
NON-CURRENT ASSETS
20.9M
21.6M
22.5M
18.9M
17.5M
17.3M
17.8M
15.8M
15.4M
16M
17M
16M
11.9M
12.2M
11.4M
11.5M
11.9M
12.6M
13.4M
12.6M
12.4M
12.4M
12.4M
12.4M
12.4M
12.4M
12.1M
9.7M
6.7M
6.7M
6.7M
6.7M
5.6M
5.6M
0.0
0.0
0.0
0.0
0.0
0.0
791K
1.1M
1.4M
1.9M
2.5M
3.1M
4M
2.7M
1.1M
1.4M
1.3M
1.7M
1M
1.3M
0.0
0.0
0.0
0.0
0.0
0.0
13.2M
13.5M
13.9M
14.4M
14.9M
15.6M
16.1M
12.4M
7.8M
8.1M
8M
8.5M
6.6M
6.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.8B
1.3B
1.2B
1.1B
1.1B
1.1B
890.9M
771.6M
752.4M
701.9M
659.1M
564.8M
511.2M
439.9M
874.6M
818.2M
767M
803.9M
784.2M
7.5M
14.1M
16.5M
22.1M
1.9M
0.0
1.2M
3.8M
2.5M
3.5M
1.3M
2.6M
5M
0.0
0.0
3.3M
3.9M
5.8M
0.0
0.0
-7.5M
10M
11.3M
13.1M
11.4M
12M
16M
7.9M
4.6M
1.3M
2.4M
9.7M
9.4M
12.4M
12.7M
32.8M
32.3M
30.9M
9.5M
16.1M
34.1M
1.8B
1.3B
1.3B
1.2B
1.2B
1.1B
930.9M
801.9M
781.4M
730.5M
695.9M
598.6M
542.7M
463.9M
922.2M
866.3M
816.4M
826.9M
812.9M
142.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.1B
2.1B
2.2B
2.1B
2.1B
2B
1.7B
1.5B
1.4B
1.4B
1.3B
1.3B
1.2B
1.2B
1B
963M
915.6M
858.1M
861.6M
838.9M
LIABILITIES
CURRENT LIABILITIES
0.0
3.2M
4.7M
666K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.2M
4.7M
666K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.6M
6M
7.7M
7.2M
4.3M
3.9M
4.1M
3.6M
3.8M
3.5M
3.5M
3.3M
3.1M
3M
3.8M
0.0
0.0
38.8M
52.4M
54M
40.7M
39.9M
37.3M
42M
40.7M
37.4M
58.3M
54.3M
51.3M
39.6M
27.1M
41.7M
56.9M
40.6M
39.6M
30.8M
36.2M
356.3M
1.8B
1.8B
1.9B
1.9B
1.7B
1.5B
1.2B
1.1B
1.1B
1.1B
1.1B
1B
1B
818.7M
743.9M
722.2M
664.8M
690.1M
680.4M
395.1M
1.9B
1.9B
1.9B
1.9B
1.8B
1.5B
1.3B
1.2B
1.2B
1.1B
1.1B
1.1B
1B
863.7M
803.8M
765.8M
708.2M
720.9M
716.6M
NON-CURRENT LIABILITIES
21.4M
47M
110.6M
39.1M
3M
3M
5M
14.6M
26.5M
27.5M
31.5M
37.5M
34.5M
34.6M
35.2M
16.7M
16.5M
43.5M
24M
2M
0.0
0.0
0.0
0.0
0.0
1.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.6M
885.4K
0.0
0.0
0.0
0.0
0.0
1.5B
9.2M
8.6M
1.8M
2.4M
0.0
2.2M
2.1M
2M
2M
1.9M
1.7M
1.5M
1.4M
1.2M
21M
20.9M
2.6M
6.7M
7.4M
1.5B
56.2M
119.2M
40.9M
5.4M
4.7M
7.2M
16.7M
28.5M
29.5M
33.4M
39.1M
36M
37.6M
37.3M
37.8M
37.4M
46.1M
30.7M
9.4M
1.9B
2B
2B
2B
1.9B
1.8B
1.5B
1.3B
1.2B
1.2B
1.2B
1.1B
1.1B
1.1B
901M
841.6M
803.2M
754.3M
751.6M
725.9M
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-2M
-2M
-2M
0.0
0.0
0.0
0.0
0.0
17.7M
17.9M
18M
18M
18.2M
18.2M
18.4M
18.6M
18.6M
18.6M
18.6M
18.6M
18.9M
18.9M
18.9M
18.9M
18.9M
18.9M
18.9M
18.9M
12.1M
13.6M
14.3M
14.3M
16.4M
17M
18.8M
20.5M
20.9M
20.9M
20.9M
20.9M
22.7M
22.7M
22.7M
22.7M
22.7M
22.7M
22.6M
22.5M
196M
182.2M
180.4M
179.9M
170.4M
158.2M
146.2M
137.9M
131.7M
126.2M
118.3M
110.7M
102.2M
94.2M
85.6M
76.5M
67.7M
62.5M
66.7M
65.9M
-17.9M
-39.1M
-46.9M
-63.1M
2.9M
16M
4.1M
-4.1M
-432.4K
-576.7K
3.5M
4.5M
451.1K
11.1M
9.5M
3.3M
3.1M
-151K
1.9M
5.7M
207.9M
174.7M
165.8M
149.1M
207.8M
209.5M
187.6M
172.9M
170.8M
165.1M
161.3M
154.7M
142.1M
144.7M
134.6M
121.4M
112.3M
103.8M
110M
112.9M
207.9M
174.7M
165.8M
149.1M
207.8M
209.5M
187.6M
172.9M
170.8M
165.1M
161.3M
154.7M
142.1M
144.7M
134.6M
121.4M
112.3M
103.8M
110M
112.9M
SUMMARY
2.1B
2.1B
2.2B
2.1B
2.1B
2B
1.7B
1.5B
1.4B
1.4B
1.3B
1.3B
1.2B
1.2B
1B
963M
915.6M
858.1M
861.6M
838.9M
656M
2B
2B
2B
2B
1.7B
1.5B
1.3B
1.3B
1.3B
1.2B
1.2B
1.1B
1.1B
948.5M
874.6M
818.2M
767M
803.9M
784.2M
60.2M
99.4M
164.6M
79.8M
42.9M
40.3M
47M
55.3M
63.9M
85.8M
85.8M
88.7M
74.2M
61.7M
76.9M
73.7M
57.1M
83.1M
54.8M
38.2M
39.7M
-8M
100.6M
37.2M
-63.2M
-151.2M
-96.5M
-1.2M
-5.5M
24.6M
34.8M
33.5M
26.3M
-17.7M
20.3M
38.9M
13.6M
48M
28.1M
20.1M
8,898,690
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8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690
8,898,690

SEC Filings

ATLO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 01, 2026
April 29, 2026
2026
8-K

8-K 2026

N/A

April 24, 2026
April 24, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 13, 2026
April 29, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 13, 2026
February 11, 2026
2026
8-K

8-K 2026

N/A

January 23, 2026
January 23, 2026
2026
8-K

8-K 2025

N/A

November 13, 2025
November 12, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
Showing 1 to 10 of 336 filings