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Ames National Corporation reported higher profitability for the quarter and six months ended June 30, 2026. Second quarter net income was $5.9 million, or $0.67 per share, up from $4.5 million, or $0.51 per share, a year earlier. For the first half of 2026, net income totaled $11.9 million, or $1.34 per share, compared with $8.0 million, or $0.89, in 2025. Return on average assets reached 1.11% for the quarter and 1.12% year-to-date, while return on average equity was 11.24% and 11.28%, respectively. Net interest income rose sharply, with net interest margin improving to 3.18% in the quarter and 3.10% for the six months, as higher yields on loans and securities combined with lower deposit and borrowing costs. The efficiency ratio improved to 58.52% in the quarter and 59.09% year-to-date.
Total assets were $2.12 billion and deposits $1.85 billion at June 30, 2026. Stockholders’ equity increased to $213.1 million, representing 10.0% of total assets, supported by reduced unrealized losses and retained earnings. Asset quality showed mixed trends: net charge-offs and credit loss expense declined versus 2025 and the allowance for credit losses was $17.3 million, or 1.36% of loans, but substandard loans rose to $50.7 million and loans past due 30 days or more increased to $22.5 million, largely tied to specific commercial real estate and agricultural relationships. The company declared a quarterly cash dividend of $0.24 per share, and the stock closed the quarter at $29.61, with a stated dividend yield of 3.24%.
Ames National Corp director Michelle R. Cassabaum reported an open-market purchase of 170 shares of Common Stock at a price of $28.83 per share. Following this transaction, she directly owns 9,988 shares of Ames National Corp common stock.
Ames National Corporation ownership disclosure: Fourthstone and related reporting persons report beneficial ownership of 683,250 shares of common stock, equal to 7.71% of the class based on 8,857,220 shares outstanding as of February 27, 2026. The filing states these shares were acquired in the ordinary course as an investment adviser and are not held to influence control.
Ames National Corporation declared a cash dividend of $0.24 per common share. The board approved this dividend on May 13, 2026.
The dividend will be paid on June 15, 2026 to shareholders recorded as owning shares at the close of business on June 1, 2026.
Ames National Corp director Patrick G. Hagan reported an open-market purchase of the company’s common stock. On May 15, 2026, he bought 200 shares at $27.69 per share. Following this transaction, Hagan directly holds 9,600 shares of Ames National Corp common stock.
Ames National Corp filed a Form 13F holdings report reporting 120 reported holdings entries with a total market value of $166,643,351. The filing lists First National Bank, Ames as an included manager and is signed by John P. Nelson (President/CEO) on 05-12-2026. This submission is a standard institutional holdings disclosure under Form 13F.
AMES NATIONAL CORP director Patrick G. Hagan made an open-market purchase of 100 shares of Common Stock at $27.65 per share. After this transaction, he directly holds 9,400 shares. This filing reflects a modest increase in his personal stake through a straightforward market buy.
Ames National Corporation reported stronger first-quarter 2026 results. Net income rose to $5.96 million from $3.44 million a year earlier, with earnings per share increasing to $0.67 from $0.39. Net interest income improved to $15.43 million, helped by lower interest expense and a $0.35 million credit loss benefit instead of a prior-year expense.
Noninterest income grew modestly, while operating expenses increased slightly. Rising market rates drove unrealized losses on available-for-sale securities, producing a $4.17 million other comprehensive loss and comprehensive income of $1.79 million. The securities portfolio carried $30.1 million of gross unrealized losses. Capital remained solid, with a consolidated total capital ratio of 16.1%. The company did not meet one modified Texas Ratio covenant on a $5 million line of credit, but the lender waived the noncompliance.
AMES NATIONAL CORP director Amy F. Rieck filed an initial Form 3 reporting her ownership in the company. The filing shows she holds 1,008 shares of Common Stock directly after the reported date, providing a baseline of her equity stake as a company insider.
Ames National Corporation reported results of its annual shareholder meeting held on April 29, 2026. Shareholders elected Jeffery C. Baker, Patrick G. Hagan, and Amy F. Rieck to three-year terms on the Board of Directors. An advisory vote approved the company’s executive compensation program, and shareholders also ratified the appointment of Forvis Mazars, LLP as independent registered public accounting firm for 2026. There were 8,857,220 shares of common stock entitled to vote at the meeting, and all three proposals received strong majority support.