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AMES National ATLO Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

FIB
First Interstate BancSystem, Inc.FIBK
$524.6M+2.0%
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First Community CorporationFCCO
$32.01M+2.7%
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Farmers National Banc CorpFMNB
$153.09M+31.1%
National Bankshares logo
National BanksharesNKSH
$48.87M+2.5%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$45.41M+29.3%
Citizens & Northern logo
Citizens & NorthernCZNC
$61.61M+19.2%

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:BankOwnedLifeInsurance.

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 bank owned life insurance?
AMES National (ATLO) reported bank owned life insurance of $3.3M in Q4 2025.
How has AMES National's bank owned life insurance changed year-over-year?
AMES National's bank owned life insurance increased by 2.8% year-over-year, from $3.21M to $3.3M.
What is the long-term trend for AMES National's bank owned life insurance?
Over 5 years (2020 to 2025), AMES National's bank owned life insurance has grown at a 2.5% compound annual growth rate (CAGR), from $2.92M to $3.3M.
What does bank owned life insurance mean?
Bank Owned Life Insurance (BOLI) represents life insurance policies purchased by the bank on the lives of its employees or executives, where the bank is the beneficiary. These assets are held to offset the costs of employee benefit plans and provide a tax-advantaged return on investment. It is a strategic tool used by financial institutions to manage long-term benefit liabilities.