{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-013322","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2026-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.994008+00:00","generated_at":"2026-05-15T04:10:18.076110+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 surges 73% to $6.0M; EPS $0.67 vs $0.39; dividend raised 20%","bullets":["Net income $5.96M (EPS $0.67) vs $3.44M ($0.39) YoY; net interest margin improved to 3.01% from 2.53%.","Credit loss benefit of $347K vs expense $962K YoY; loan balances declined 3.2% to $1.26B.","Noninterest income +9.3% to $2.8M on wealth mgmt growth; noninterest exp +5.9% on $300K consultant fees.","Quarterly dividend raised 20% to $0.24/share; payable March 13, 2026 to record date Feb 27.","Substandard loans increased to $34.8M; 30+ day delinquencies up to $19.4M from $11.8M YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-013322","json":"https://secwatch.observer/filing/0001437749-26-013322.json","markdown":"https://secwatch.observer/filing/0001437749-26-013322.md","text":"https://secwatch.observer/filing/0001437749-26-013322.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926013322/0001437749-26-013322-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926013322/atlo20260106_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:10:18.076110+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":[{"claim_id":"faa4e5c2e30d8f18d167686babf7c7efb97c5835","claim":"AMES NATIONAL CORP reported the three months ended March 31, 2026 results: net income $6.0 million, or $0.67 per share.","evidence_excerpt":"ANNOUNCES EARNINGS FOR THE first QUARTER OF 2026 Ames, Iowa – Ames National Corporation (Nasdaq: ATLO; the “Company”) today reported net income for the first quarter of 2026 of $6.0 million, or $0.67 per share, compared to $3.4 million, or $0.39 per share, earned in the first quarter of 2025 . The increase in earnings is primarily due to an increase in net interest","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926013322/0001437749-26-013322-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2026"},{"label":"Net income","value":"$6.0 million, or $0.67 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}