{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-023002","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.416549+00:00","generated_at":"2026-05-18T05:34:10.291333+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 Q2 net income doubles to $4.5M ($0.51/share) on margin expansion","bullets":["Net income $4.5M ($0.51 diluted EPS) vs $2.2M ($0.24) in Q2 2024; six-month NI $7.95M ($0.89) vs $4.49M ($0.50).","Net interest margin improved to 2.65% from 2.14% YoY; efficiency ratio fell to 64.34% from 79.61%.","Net loan charge-offs $1.1M in Q2 (commercial loan relationship reserved in Q1); credit loss expense $108K vs $182K.","No dividend declared in Q2; paid $0.20/share from prior declaration; repurchased 16,868 shares at avg $16.48.","Borrowings reduced to $30.7M from $85.9M; equity grew to $193M due to lower unrealized losses and retained earnings."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-023002","json":"https://secwatch.observer/filing/0001437749-25-023002.json","markdown":"https://secwatch.observer/filing/0001437749-25-023002.md","text":"https://secwatch.observer/filing/0001437749-25-023002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925023002/0001437749-25-023002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925023002/atlo20250527_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:34:10.291333+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"}