First National Bank Ames, Iowa
First National Bank Ames, Iowa is an FDIC-insured commercial bank headquartered in Ames, IA, supervised by the OCC, with $1.06B in total assets at Q3 2026, down 0.2% from Q3 2025, the 27th largest of 225 banks headquartered in Iowa. It was established in 1903 and holds FDIC certificate 1545. Its CET1 capital ratio was 15.24% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as FNB Ames Iowa
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 1545
- Headquarters
- Ames, IA
- Established
- 1903
- Total assets, Q3 2026
- $1.06B
- Assets vs Q3 2025
- -0.2%
- CET1 ratio, Q3 2026
- 15.24%
- Domestic offices
- 10 branches
- Routing number
- 073902274
- Safety and soundness
- Is First National Bank Ames, Iowa safe?
- Latest call report
- Q3 2026, FFIEC 041 · First National Bank Ames, Iowa call report
- Holding company
- AMES NATIONAL CORPORATION
- Asset rank in state
- 27th of 225 in Iowa
First National Bank Ames, Iowa, based in Ames, Iowa, reported $1.1 billion in assets at September 30, 2026. It shrank its loan book 2.4% over the year, lower than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 6.0%). It also pays an average of 1.36% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.05%).
Earnings jumped: net income for the quarter was $4.0 million, 84% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.25% of loans, down from 1.98% a year earlier. Its margin is thin by comparison: it keeps 3.25 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.80 cents).
As of September 30, 2026, First National Bank Ames, Iowa reported a CET1 capital ratio of 15.24%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.25% and a Texas ratio of 7.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, First National Bank Ames, Iowa is the 27th largest of the 225 banks headquartered in Iowa. From Q2 2026 to Q3 2026, its total assets fell 4.8% to $1.06B, loans rose 0.3% and deposits fell 3.6%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 28.0% of total loans, ahead of multifamily loans at 25.4%. The FDIC Summary of Deposits lists 9 offices for it, in 4 cities in IA; its Ames 3 offices book 71% of its branch deposits. By the capital ratios in its Q3 2026 call report, First National Bank Ames, Iowa meets every capital ratio test for well capitalized.
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
- Domestic offices
- 10 branches
- Employees (FTE)
- 115
- Domestic deposits
- $921.2M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $578K
- Average total assets
- $1.09B
- Average total loans
- $662.4M
- Average interest-bearing deposits
- $736.4M
- 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
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, First National Bank Ames, Iowa's total assets ranged from $1.06B (Q3 2026) to $1.14B (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.06B total assets against $1.06B; $958.6M total liabilities against $959.9M.
$655.5M net loans and leases against $670.6M; $921.2M total deposits against $914.7M.
$341.7M securities against $315.9M; $27.8M cash and balances due against $41.2M.
$11.8M total interest income against $10.3M; $3.3M total interest expense against $3.7M.
$8.6M net interest income against $6.6M.
$2.1M total noninterest income against $1.5M; $5.5M total noninterest expense against $5.0M.
$20K provision for credit losses against $513K.
$4.0M net income against $2.2M.
1.47% return on assets against 0.82%; 3.25% net interest margin against 2.60%.
15.24% CET1 capital ratio against 13.93%; 10.30% tier 1 leverage ratio against 10.04%.
Inside the full First National Bank Ames, Iowa terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
First National Bank Ames, Iowa rankings
Its closest position to the top of a national ranking is 997 of 4,193, for total assets; its furthest is 823 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.41% (Q1 2025) to 1.49% (Q4 2025) and its net interest margin ran from 2.09% (Q4 2024) to 3.25% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.24% | 1.47% | 1.25% | 7.99% | 3.25% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q3 2026 filing, First National Bank Ames, Iowa reported total assets of $1.06 billion in its FFIEC call report.
Where is First National Bank Ames, Iowa headquartered?
It is headquartered in Ames, IA, United States.
When was First National Bank Ames, Iowa founded?
It was established in 1903, per the FDIC institution directory.
Is First National Bank Ames, Iowa FDIC-insured?
Yes. It 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.
What is First National Bank Ames, Iowa's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.24% in its Q3 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?
It 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?
Its Texas Ratio is 7.99% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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