{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-001789","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2025-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.008437+00:00","generated_at":"2026-05-27T10:24:16.926127+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Ames National Q4 net income up 64% to $3.5M; 2025 EPS guided $1.72–$1.82","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-001789","json":"https://secwatch.observer/filing/0001437749-25-001789.json","markdown":"https://secwatch.observer/filing/0001437749-25-001789.md","text":"https://secwatch.observer/filing/0001437749-25-001789.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925001789/0001437749-25-001789-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925001789/atlo20240806_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T10:24:16.926127+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}