First National Bank Ames, Iowa: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First National Bank Ames, Iowa, based in Ames, Iowa, reported $1.1 billion in assets at June 30, 2026, up 4.7% from a year earlier. It shrank its loan book 2.1% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
The non-owner-occupied commercial real estate book ($92 million) is worsening: 11.40% of it is past due or on nonaccrual, up from 8.28% a year earlier. Earnings jumped: net income for the quarter was $3.6 million, 38% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 8.5% of the capital and reserves that would absorb them, 2.4 times the median of 3.6% for banks its size.
As of June 30, 2026, First National Bank Ames, Iowa reported a CET1 capital ratio of 14.97%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 8.52%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 405 5th St, Ames, IA 50010
- County
- Story
- Metro Area
- Ames, IA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 22, 1903
- Offices
- 10 domestic
- Employees (FTE)
- 117
- Domestic deposits
- $955.6M
- Allowance for credit losses
- $8.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.12B
- Average total loans
- $667.0M
- Average interest-bearing deposits
- $768.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1545
- Fed RSSD
- 820048
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- WWW.FNBAMES.COM →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank Ames, Iowa terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank Ames, Iowa, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First National Bank Ames, Iowa rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.97% | 1.28% | 1.41% | 8.52% | 3.00% |
| Q1 2026 | 14.59% | 1.16% | 1.41% | 8.86% | 2.84% |
| Q4 2025 | 14.27% | 1.49% | 1.43% | 8.94% | 2.83% |
| Q3 2025 | 13.93% | 0.82% | 1.98% | 12.81% | 2.60% |
| Q2 2025 | 13.89% | 0.95% | 1.63% | 10.89% | 2.39% |
| Q1 2025 | 13.42% | 0.41% | 1.78% | 12.55% | 2.24% |
| Q4 2024 | 13.41% | 0.68% | 1.63% | 11.96% | 2.09% |
| Q3 2024 | 13.06% | 0.50% | 1.83% | 13.01% | 1.85% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank, Ames, Iowa | Ames , IA | 50010 | $674.3M |
| Osceola Br | Osceola , IA | 50213 | $100.8M |
| West Glen Branch | West Des Moines , IA | 50266 | $91.8M |
| Ankeny Branch | Ankeny , IA | 50023 | $88.7M |
| North Grand Branch | Ames , IA | 50010 | $0 |
| Valley Junction Branch | West Des Moines , IA | 50265 | $0 |
| West Ames Branch | Ames , IA | 50014 | $0 |
| Osceola Branch | Osceola , IA | 50213 | $0 |
| Edgewater Wesleylife Community Branch | West Des Moines , IA | 50266 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 15, 2018 | M&A | Acquired Clarke County State Bank merger for the acquired bank | SEC |
| September 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2018 | Structure Change | Acquired Clarke County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2014 | M&A | Acquired First Bank merger for the acquired bank | SEC |
| August 30, 2014 | Structure Change | Acquired First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for First National Bank Ames, Iowa, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in IA, rank 29 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 201 applications, 141 loans originated, $59.5M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $204K approved, $102K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank Ames, Iowa
What are First National Bank Ames, Iowa's total assets?
As of the Q2 2026 filing, First National Bank Ames, Iowa reported total assets of $1.11 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank Ames, Iowa headquartered?
First National Bank Ames, Iowa is headquartered in Ames, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First National Bank Ames, Iowa founded?
First National Bank Ames, Iowa was established in 1903, per the FDIC institution directory.
Is First National Bank Ames, Iowa FDIC-insured?
Yes. First National Bank Ames, Iowa is an FDIC-insured commercial bank (FDIC Certificate #1545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank Ames, Iowa?
First National Bank Ames, Iowa's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank Ames, Iowa's CET1 capital ratio?
First National Bank Ames, Iowa reported a Common Equity Tier 1 (CET1) capital ratio of 14.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank Ames, Iowa operate?
First National Bank Ames, Iowa operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank Ames, Iowa's Texas Ratio?
First National Bank Ames, Iowa's Texas Ratio is 8.52% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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