{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-26-032805","form_type":"8-K","ticker":"ATLO","cik":"0001132651","company_name":"AMES NATIONAL CORP","filed_at":"2026-10-16T20:10:15+00:00","discovered_at":"2026-10-16T20:11:00.155066+00:00","generated_at":"2026-10-16T20:11:05.979788+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"ATLO Q3 net income $7.0M, EPS $0.80 vs $0.51; NIM 3.38% as net interest income rises 20.7%","bullets":["Q3 2026 net income $7.0M, or $0.80/share, vs $4.6M/$0.51 a year ago; nine-month net income $18.9M, or $2.14/share vs $1.41.","Net interest income $17.0M, up 20.7% YoY; net interest margin 3.38% vs 2.83%; efficiency ratio improved to 54.97% from 61.76%.","Noninterest expense rose 9.6% to $11.2M, including $600K of consultant fees for contract negotiations expected to continue through 2026.","Credit loss expense $66K vs $627K; Q3 net charge-offs $745K vs $344K of recoveries. Substandard loans rose to $52.0M from $29.7M on a 1-4 family relationship and multi-family weakness.","Post-quarter, a $3M substandard-impaired nonaccrual agricultural loan was paid in full, with ~$300K of nonaccrual interest collected in October 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-26-032805","json":"https://secwatch.observer/filing/0001437749-26-032805.json","markdown":"https://secwatch.observer/filing/0001437749-26-032805.md","text":"https://secwatch.observer/filing/0001437749-26-032805.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926032805/0001437749-26-032805-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926032805/atlo20260824_8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-16T20:11:05.979788+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"}