Ames National Q2 FY26 net income rises 31.11% to $5.9 million; net interest margin widens 0.53 percentage points to 3.18%

• Ames National posted net income of $5.9 million for the quarter ended June 30, 2026, up 31.11%, with EPS rising to $0.67 from $0.51.
• Net interest income (GAAP) climbed to $16.38 million, with net interest margin (non-GAAP, FTE) widening 0.53 percentage points to 3.18%.
• Credit loss expense increased to $208,000, while noninterest expense rose 7.8% to $11.2 million; efficiency ratio improved to 58.52%.
• Total assets were $2.12 billion at June 30, down $10.6 million from Dec. 31, while the investment portfolio grew $39 million to $695 million.
• Problem loans rose to 1.55% of total loans at June 30 from 1.19% at Dec. 31; allowance for credit losses held at 1.36%.

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