{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-031265","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.863952+00:00","generated_at":"2026-05-17T03:21:15.616248+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 Q3 net income doubles to $0.51 EPS; net interest margin rises to 2.83%","bullets":["Q3 2025 net income $4.6M ($0.51 EPS) vs $2.2M ($0.25) YoY; nine-month net income $12.5M ($1.41) vs $6.7M ($0.75).","Net interest margin improved to 2.83% from 2.21% due to higher loan yields and lower deposit costs; efficiency ratio fell to 61.76% from 77.87%.","Q3 credit loss expense $627K (vs $371K), partially offset by $344K net recoveries; allowance for credit losses 1.39% of loans.","Quarterly cash dividend maintained at $0.20/share; new 200K-share repurchase program announced in August 2025.","Deposits up 1.7% YoY to $1.83B; borrowings reduced to $23.5M from $83.1M; all banks well-capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-031265","json":"https://secwatch.observer/filing/0001437749-25-031265.json","markdown":"https://secwatch.observer/filing/0001437749-25-031265.md","text":"https://secwatch.observer/filing/0001437749-25-031265.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925031265/0001437749-25-031265-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774925031265/atlo20250820_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:21:15.616248+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"}