FIRST NATIONAL BANK AMES, IOWA

AMES, IA | Large | Est. May 22, 1903, midnight | FDIC #1545 | RSSD #820048 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK AMES, IOWA is aln large FDIC-insured commercial bank headquartered in AMES, IA, established in May 22, 1903, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $953M. Profitability stands at 1.51% ROA and 15.92% ROE, with a net interest margin of 2.99%. The bank's CET1 capital ratio is 14.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.43% and a Texas Ratio of 8.59%. FDIC Certificate #1545.

Assets

$1.1B

Deposits

$953M

Loans

$681M

Equity

$105M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 15.92%
Net Interest Margin (NIM) 2.99%
Yield on Assets 4.45%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 1.43%
Net Charge-Off Ratio 0.00%
Texas Ratio 8.59%
NPA Ratio 0.88%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 14.27%
Tier 1 Capital 14.27%
Total Capital Ratio 15.51%
Leverage Ratio 9.93%
Loan-to-Deposit 71.42%

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