{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-023763","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2026-07-17T20:11:26+00:00","discovered_at":"2026-07-17T20:12:00.670192+00:00","generated_at":"2026-07-17T20:12:06.044122+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Ames National Q2 net income $5.9M ($0.67 EPS) vs $4.5M ($0.51) YoY; NIM expands to 3.18%","bullets":["Net interest income rose 21.7% to $16.4M; net interest margin improved to 3.18% from 2.65%.","Credit loss expense of $208K vs $108K YoY; net charge-offs fell to $255K from $1.1M.","Substandard loans jumped to $50.7M from $23.5M; past-due loans doubled to $22.5M.","Noninterest expense up 7.8% to $11.2M, including $300K consultant fees for contract negotiations.","Quarterly dividend maintained at $0.24/share; no shares repurchased in Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-023763","json":"https://secwatch.observer/filing/0001437749-26-023763.json","markdown":"https://secwatch.observer/filing/0001437749-26-023763.md","text":"https://secwatch.observer/filing/0001437749-26-023763.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926023763/0001437749-26-023763-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926023763/atlo20260519_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-17T20:12:06.044122+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"}