{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-012286","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.617305+00:00","generated_at":"2026-05-23T11:31:34.320645+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 Q1 net income up 49% to $3.4M; EPS $0.39 vs $0.26 YoY","bullets":["Net income $3.4M ($0.39 per share) vs $2.3M ($0.26) in Q1 2024, a 49% increase.","Net interest income $12.9M (+18.4% YoY); net interest margin improved to 2.53% from 2.13%.","Credit loss expense $962K (vs $169K) on specific commercial loan reserve; substandard loans rose to $32.4M.","Loans $1.31B (+2.6% YoY); deposits $1.91B (+1.8% YoY); borrowings reduced to $35.8M from $90.3M.","Cash dividend $0.20/share declared for June 13; new policy to declare and pay dividends same quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-012286","json":"https://secwatch.observer/filing/0001437749-25-012286.json","markdown":"https://secwatch.observer/filing/0001437749-25-012286.md","text":"https://secwatch.observer/filing/0001437749-25-012286.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925012286/0001437749-25-012286-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925012286/atlo20241212_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:31:34.320645+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"}