---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-001905"
form_type: "8-K"
ticker: "ATLO"
cik: "0001132651"
company_name: "AMES NATIONAL CORP"
filed_at: "2026-01-23T23:59:59+00:00"
generated_at: "2026-05-16T08:21:32.517005+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Ames National Q4 net income $6.5M ($0.73) doubles YoY; guides 2026 EPS $2.70-$2.80

## Summary
- Q4 2025 net income $6.5M ($0.73/share) vs $3.5M ($0.39) in Q4 2024, up 85%.
- Full year 2025 net income $19.0M ($2.14/share) vs $10.2M ($1.14) in 2024.
- Net interest margin improved to 3.00% (Q4 2025) from 2.38% (Q4 2024) on higher loan yields and lower deposit costs.
- Fiscal 2026 EPS guidance $2.70-$2.80, above 2025 actual $2.14, on expected margin expansion.
- Declared $0.20 quarterly dividend; repurchased 34,947 shares in Q4 at avg $20.98.

## SEC filing metadata
- accession: 0001437749-26-001905
- form_type: 8-K
- ticker: ATLO
- cik: 0001132651
- company_name: AMES NATIONAL CORP
- filed_at: 2026-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1132651/000143774926001905/0001437749-26-001905-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1132651/000143774926001905/atlo20250930_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-001905
- JSON: https://secwatch.observer/filing/0001437749-26-001905.json
- Plain text: https://secwatch.observer/filing/0001437749-26-001905.txt

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