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AMES National ATLO Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$194M+4.9%
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$18.18M+30.3%
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John Marshall BancorpJMSB
$16.49M+18.4%
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$12.7M+27.3%
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Farmers & Merchants BancorpFMAO
$27.14M+16.2%
Citizens & Northern logo
Citizens & NorthernCZNC
$14.85M-24.8%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
AMES National (ATLO) reported net interest income (after provisions) of $13.66M in Q4 2025.
How has AMES National's net interest income (after provisions) changed year-over-year?
AMES National's net interest income (after provisions) increased by 23.1% year-over-year, from $11.1M to $13.66M.
What is the long-term trend for AMES National's net interest income (after provisions)?
Over 4 years (2021 to 2025), AMES National's net interest income (after provisions) has grown at a -1.0% compound annual growth rate (CAGR), from $56.75M to $54.63M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which represents the expense set aside to cover potential future loan defaults. It provides a more accurate view of the bank's net revenue after accounting for the inherent credit risk of its loan portfolio.