First National Bank, Ames, Iowa
Ames, IA
IDRSSD: 820048
Total Assets
$1.11B
Latest filing
Total Deposits
$952.91M
Latest filing
Net Interest Margin
2.87%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank, Ames, Iowa
405 5th St
Ames, IA 50010
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/22/1903FDIC Certificate 1014
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Bank, Ames, Iowa (Main) | 405 5th St | Ames, IA |
| WEST AMES BRANCH | 3334 Lincoln Way | Ames, IA |
| NORTH GRAND BRANCH | 2406 Grand Ave | Ames, IA |
| VALLEY JUNCTION BRANCH | 301 5th St | West Des Moines, IA |
| OSCEOLA BRANCH | 1320 Jeffreys Drive | Osceola, IA |
| WEST GLEN BRANCH | 5625 Mills Civic Pkwy | West Des Moines, IA |
| ANKENY BRANCH | 1205 N Ankeny Blvd | Ankeny, IA |
| GREEN HILLS BRANCH | 2200 Hamilton Dr | Ames, IA |
Showing 7 of 9
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 Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/22/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50010 |
| State and County Number | 19169 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Ames, IA |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.FNBAMES.COM |
| Data Updated | 01/30/2026 |
| CERT | 1545 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.11B |
| Total Deposits | $952.91M |
| Total Liabilities | $1.00B |
| Total Equity Capital | $104.54M |
| Net Income | $4.08M |
| Net Loans and Leases | $671.52M |
| Assets Per Employee ($Millions) | $9.64M |
| Bank Premises and Fixed Assets | $12.42M |
| Cash and Balances due from Depository Institutions | $77.57M |
| Deposits Held in Domestic Offices | $952.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.51% |
| Return on Equity (ROE) | 15.92% |
| Net Interest Margin | 2.87% |
| Efficiency Ratio | 56.77% |
| Tier 1 Risk-Based Capital Ratio | 14.265% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.428% |
| Earning Assets to total Assets | 96.24% |
Income and Expense
| Total Interest Income | $11.09M |
| Total Noninterest Income | $2.44M |
| Total Interest Expense | $3.62M |
| Total Noninterest Expense | $5.66M |
| Net Interest Income | $7.47M |
| Pre-tax Net Operating Income | $5.13M |
| Provision for Credit Losses | $-879,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.45M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.80M |
| Federal Funds Purchased and Repurchased Agreement | $30.61M |
| All Other Liabilities | $4.36M |
| Total Liabilities and Capital | $1.11B |
Securities
| Securities | $323.67M |
| Available-for-sale debt securities | $323.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$1.11B as of the latest filing.
How much are First National Bank, Ames, Iowa's total deposits?
$952.91M in total deposits.
Where is First National Bank, Ames, Iowa located?
Ames, IA.
What is the Net Interest Margin?
2.87%.
How many domestic offices does it operate?
10.
When was it established?
05/22/1903.
What is the Return on Assets (ROA)?
1.51%.
How much are total loans and leases?
$671.52M (latest filing).
What is the total interest income (latest filing)?
$11.09M.