Ames National Corporation is classed by the SEC under National Commercial Banks (industry code 6021), based in Ames, IA. Its latest filed balance sheet (2025-12-31) shows total assets of $2.1 billion (its filed statements).
Lending businessNational Commercial BanksAmes, IAfilings since 20019 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.4 out of ten, 9 of 9 metrics filed: past 5.5 out of ten, present 4.9 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 4.5 out of ten. 2 warning events since 2017; the latest 2022-11-09. 45th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.1 out of ten. +7.9% a year over 10 filed years; profitable in 10 of 10. 51st percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 7.1 out of ten. Share count shrank 0.5% a year. 52% of cash flow returned. Insiders: 0 sales, 18 purchases. 71st percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 4.7 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 47th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 2.6 out of ten. bottom 26% of 79 in its family; net margin 21.8%. 26th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 8.8 out of ten. top 12% of 74 in its family for leadership. 88th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 6.3 out of ten. top 37% of 71 in its family for room to expand. 63rd percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.6 out of ten. bottom 36% of 79 in its family for growth drivers. 36th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 7.6 out of ten. top 24% of 76 in its family for expectations against reality. 76th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-12 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-17 (on EDGAR). Newest filing: Form 4, 2026-09-10. Filings on record since 2001. Read from EDGAR 2026-10-12.
Who runs it
Schreier, Richard (President of subsidiary bank); Bauer, Scott T (President of subsidiary bank); Nelson, John Patrick (President); Putzier, Jeffrey K (President of subsidiary bank); Clausen, Justin C (Chief Financial Officer); Baker, Jeffery C (director); Cassabaum, Michelle R (director); Beals, Douglas W (director); Hagan, Patrick G (director); Rieck, Amy F (director); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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