Ames National Q4 net income up 64% to $3.5M; 2025 EPS guided $1.72–$1.82

AMES NATIONAL CORP

Q4 net income $3.5M ($0.39 EPS) vs $2.1M ($0.24 EPS) in Q4 2023.
Full-year 2024 net income $10.2M ($1.14 EPS) vs $10.8M ($1.20 EPS) in 2023.
Net interest margin improved to 2.38% in Q4 from 2.15% a year ago; loan growth 2%.
Credit loss benefit of $130K in Q4 vs expense of $755K in prior year period.
Forecasts 2025 EPS of $1.72–$1.82, driven by expected margin expansion from repricing.

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