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AMES National ATLO Provision for Credit Losses

Provision for Credit Losses at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$1.14B+21.8%
FIB
First Interstate BancSystem, Inc.FIBK
$6.7M-66.5%
First Community Corporation logo
First Community CorporationFCCO
$193K-55.8%
Farmers National Banc Corp logo
Farmers National Banc CorpFMNB
-$1.01M-4,705%
National Bankshares logo
National BanksharesNKSH
-$73K-126%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$6K+102%

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:OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal.

The official record: AMES National’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is AMES National's provision for credit losses?
AMES National (ATLO) reported provision for credit losses of -$37K in Q1 2026.
How has AMES National's provision for credit losses changed year-over-year?
AMES National's provision for credit losses decreased by 15.6% year-over-year, from -$32K to -$37K.
What is the long-term trend for AMES National's provision for credit losses?
Over 4 years (2021 to 2025), AMES National's provision for credit losses has grown at a -51.8% compound annual growth rate (CAGR), from -$757K to $41K.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.