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AMES National ATLO Deposits, Negotiable Order of Withdrawal (NOW)

Deposits, Negotiable Order of Withdrawal (NOW) at other companies

U.S. Bancorp logo
U.S. BancorpUSB
$132.22B+4.0%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$910.72M+4.1%

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:DepositsNegotiableOrderOfWithdrawalNOW.

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 deposits, negotiable order of withdrawal (NOW)?
AMES National (ATLO) reported deposits, negotiable order of withdrawal (NOW) of $635.89M in Q4 2025.
How has AMES National's deposits, negotiable order of withdrawal (NOW) changed year-over-year?
AMES National's deposits, negotiable order of withdrawal (NOW) increased by 2.6% year-over-year, from $619.95M to $635.89M.
What is the long-term trend for AMES National's deposits, negotiable order of withdrawal (NOW)?
Over 5 years (2020 to 2025), AMES National's deposits, negotiable order of withdrawal (NOW) has grown at a 3.8% compound annual growth rate (CAGR), from $528.8M to $635.89M.
What does deposits, negotiable order of withdrawal (NOW) mean?
Negotiable Order of Withdrawal (NOW) accounts are interest-bearing transaction accounts that allow depositors to write checks or make transfers. These accounts represent a hybrid between traditional savings and checking accounts, serving as a core component of the bank's retail deposit base. They are essential for assessing the bank's ability to maintain stable, low-cost funding through consumer banking services.