secwatch.observer — SEC 8-K summary
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Issuer:     AMES NATIONAL CORP (ATLO)
CIK:        0001132651
Form:       8-K
Filed at:   2026-07-17T20:11:26+00:00
Accession:  0001437749-26-023763
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1132651/000143774926023763/0001437749-26-023763-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1132651/000143774926023763/atlo20260519_8k.htm
  HTML page:      https://secwatch.observer/filing/0001437749-26-023763

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer