---
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"
generated_at: "2026-05-27T10:24:16.926127+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-001789
- JSON: https://secwatch.observer/filing/0001437749-25-001789.json
- Plain text: https://secwatch.observer/filing/0001437749-25-001789.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.