---
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"
generated_at: "2026-07-17T20:12:06.044122+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Ames National Q2 net income $5.9M ($0.67 EPS) vs $4.5M ($0.51) YoY; NIM expands to 3.18%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-023763
- JSON: https://secwatch.observer/filing/0001437749-26-023763.json
- Plain text: https://secwatch.observer/filing/0001437749-26-023763.txt

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