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First National Bank, Ames, Iowa

Ames, IA
IDRSSD: 820048
Total Assets
$1.06B
Latest filing
Total Deposits
$914.67M
Latest filing
Net Interest Margin
2.61%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date05/22/1903
Community BankYes
Ownership TypeNot Mutual
ZIP50010
State and County Number19169
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameAmes, IA

Operational Info

Number of Employees114
Domestic Offices10
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
WebsiteWWW.FNBAMES.COM
Data Updated11/14/2025
CERT1545
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.06B
Total Deposits$914.67M
Total Liabilities$959.93M
Total Equity Capital$100.49M
Net Income$2.18M
Net Loans and Leases$670.64M
Assets Per Employee ($Millions)$9.47M
Bank Premises and Fixed Assets$12.52M
Cash and Balances due from Depository Institutions$41.22M
Deposits Held in Domestic Offices$914.67M

Key Performance Ratios

Return on Assets (ROA)0.82%
Return on Equity (ROE)8.81%
Net Interest Margin2.61%
Efficiency Ratio61.14%
Tier 1 Risk-Based Capital Ratio13.93%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.19%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.477%
Earning Assets to total Assets95.78%

Income and Expense

Total Interest Income$10.35M
Total Noninterest Income$1.54M
Total Interest Expense$3.73M
Total Noninterest Expense$5.02M
Net Interest Income$6.62M
Pre-tax Net Operating Income$2.62M
Provision for Credit Losses$513.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$16.45M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$24.67M
All Other Liabilities$4.14M
Total Liabilities and Capital$1.06B

Securities

Securities$315.93M
Available-for-sale debt securities$315.93M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First National Bank, Ames, Iowa?
$1.06B as of the latest filing.
How much are First National Bank, Ames, Iowa's total deposits?
$914.67M in total deposits.
Where is First National Bank, Ames, Iowa located?
Ames, IA.
What is the Net Interest Margin?
2.61%.
How many domestic offices does it operate?
10.
When was it established?
05/22/1903.
What is the Return on Assets (ROA)?
0.82%.
How much are total loans and leases?
$670.64M (latest filing).
What is the total interest income (latest filing)?
$10.35M.