Ames National (NASDAQ: ATLO) furnishes 2025 results release and investor deck

Rhea-AI Filing Summary

Ames National Corporation filed a current report to share that it has released its financial results for the three months and year ended December 31, 2025. The company announced that these results are contained in a News Release furnished as Exhibit 99.1. It also furnished an Investor Presentation as Exhibit 99.2, which includes financial information for the same periods and may be used in upcoming investor meetings.

The materials are furnished rather than filed, meaning they are provided for information but are not automatically incorporated into other securities law filings unless specifically referenced.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

January 23, 2026

Date of Report (Date of Earliest Event Reported)

AMES NATIONAL CORPORATION

(Exact Name of Registrant as Specified in its Charter)

Iowa	0-32637	42-1039071
(State or Other Jurisdiction of	(Commission File Number)	(I.R.S. Employer
Incorporation or Organization)		Identification No.)

323 Sixth Street

Ames, Iowa 50010

(Address of Principal Executive Offices) (Zip Code)

Registrant’s Telephone Number, Including Area Code: (515) 232-6251

NOT APPLICABLE

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol	Name of each exchange on which registered
Common stock, $2.00 par value	ATLO	NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.

Emerging growth company       ☐

If an emerging growth company, indicate by checkmark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On January 23, 2026, Ames National Corporation (Nasdaq: ATLO; the “Company”) issued a News Release announcing financial results for the three months and year ended December 31, 2025. A copy of the News Release is furnished as Exhibit 99.1.

Item 7.01 Regulation FD Disclosure

The Company hereby furnishes the Investor Presentation attached hereto as Exhibit 99.2, which includes financial information as of and for the three months and year ended December 31, 2025, and which may be presented at upcoming investor meetings.

The information furnished in this Form 8-K, including Exhibits 99.1 and 99.2, shall not be deemed "filed" for purposes of Section 18 of the Exchange Act, or incorporated by reference in any of the Company's filings under the Securities Act or the Exchange Act, except as may be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits:

Exhibit No.	Description
99.1	News Release dated January 23, 2026
99.2	Investor Presentation dated January 23, 2026
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized.

	AMES NATIONAL CORPORATION
Date: January 23, 2026	By:	/s/ John P. Nelson
	John P. Nelson, Chief Executive Officer and President
	Principal Executive Officer

FAQ

What did Ames National Corporation (ATLO) disclose in this 8-K?

Ames National Corporation furnished a News Release announcing financial results for the three months and year ended December 31, 2025, and an Investor Presentation with related financial information.

Which periods do the new Ames National Corporation (ATLO) materials cover?

Both the News Release and Investor Presentation include financial information for the three months and year ended December 31, 2025.

What exhibits are attached to Ames National Corporation’s 8-K?

The 8-K includes Exhibit 99.1 (News Release dated January 23, 2026), Exhibit 99.2 (Investor Presentation dated January 23, 2026), and Exhibit 104 (Cover Page Interactive Data File).

Are the Ames National Corporation (ATLO) earnings materials deemed filed with the SEC?

No. The company states that the information, including Exhibits 99.1 and 99.2, is furnished, not filed, and is not incorporated into other filings unless specifically referenced.

Who signed the Ames National Corporation 8-K?

The report was signed on behalf of Ames National Corporation by John P. Nelson, Chief Executive Officer and President, as Principal Executive Officer.