10-Q quarterly report · filed Nov 7, 2025

AMES NATIONAL CORP (ATLO) Q3 2025 10-Q Quarterly Report

Short answer

AMES NATIONAL CORP (ATLO) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $22M (up 5.5% year over year) with net income of $5M.

Q3 2025 key financials · XBRL

Revenue
$22M
+5.5% YoY · +1.7% QoQ
Net income
$5M
+105.6% YoY · +1.1% QoQ
EPS (diluted)
$0.52
+108.0% YoY · +4.0% QoQ

Source: XBRL data from the AMES NATIONAL CORP (ATLO) Q3 2025 10-Q on SEC EDGAR. USD.

AMES NATIONAL CORP Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Management Discussion & Analysis

  • Net income $4.6M vs $2.2M YoY; EPS $0.51 vs $0.25
  • Net interest margin 2.83% vs 2.21%; net interest income $14.0M vs $11.1M
  • Best performer: wealth management income up 5.0% to $2.5M, driven by asset growth and new accounts
  • Credit loss expense $627K vs $371K; problem loans 1.51% vs 1.17% at December 31, 2024
  • Borrowings fell to $23.5M from $47.0M; emerging headwinds in commercial real estate and agricultural portfolios

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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