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AMES National ATLO Time deposits

Time deposits at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$41.44B+39.6%
John Marshall Bancorp logo
John Marshall BancorpJMSB
$761.84M+3.5%
National Bankshares logo
National BanksharesNKSH
$314.94M+5.5%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$625.3M-0.2%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$4.14B+29.9%
German American Bancorp logo
German American BancorpGABC
$1.29B-9.4%

Other financials

Income statement

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Revenue$16.7M+21.9%
Net income$6.0M+25.3%
EPS (diluted)$0.66

Balance sheet

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Cash & equivalents$126.8M+25.2%
Total equity$207.9M+19.0%
Total assets$2.1B0.0%

Cash flow

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Operating cash flow$8.4M+17.5%
CapEx$405.0K+108%
Free cash flow$8.0M+14.9%

Valuation

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Market cap$262.26M+66.5%
P/E13×+2.2×
P/S3.9×+0.5×

Profitability

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Net margin28.5%+9.8pp
FCF margin31%+5.4pp

Returns & leverage

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Return on equity9.9%+3.9pp
Debt / equity0.1×

Where this comes from

Reported directly by AMES National in its filing.

Tagged under the XBRL concept us-gaap:TimeDepositsAtOrAboveFDICInsuranceLimit.

The official record: AMES National’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is AMES National's time deposits?
AMES National (ATLO) reported time deposits of $85.8M in Q4 2025.
How has AMES National's time deposits changed year-over-year?
AMES National's time deposits increased by 0.9% year-over-year, from $85M to $85.8M.
What is the long-term trend for AMES National's time deposits?
Over 5 years (2020 to 2025), AMES National's time deposits has grown at a 7.4% compound annual growth rate (CAGR), from $60.02M to $85.8M.
What does time deposits mean?
Time deposits, such as certificates of deposit (CDs), are interest-bearing accounts with a specified maturity date and fixed interest rate. They provide the bank with predictable, longer-term funding compared to demand deposits, though they often carry higher interest costs. Investors monitor this to evaluate the bank's funding structure and sensitivity to interest rate fluctuations.