Filing Flows › Ames National (ATLO) › Q3 2026 › vs Q3 2025
Ames National (ATLO) Q3 2026 vs Q3 2025 (year over year)
Ames National's revenue rose $3.8M (+23%) from $16.6M in Q3 2025 to $20.4M in Q3 2026. The biggest changes: Net interest income +$2.9M (+21%); Noninterest income +$929K (+37%). Operating margin 44.7% against 34.5% (+10.2 pts).
Ames National, Q3 2026: revenue $20.4M (+23% year over year), operating margin 44.7%, net earnings $7.0M, operating cash flow $5.1M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 44.7% | 34.5% | +10.2 pts |
| Net margin | 34.5% | 27.5% | +7.0 pts |
| Free cash flow margin | 19.5% | 16.0% | +3.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $17.0M | $14.0M | $2.9M | +21% |
| Noninterest income | $3.5M | $2.5M | $929K | +37% |
| Revenue | $20.4M | $16.6M | $3.8M | +23% |
| Operating profit | $9.1M | $5.7M | $3.4M | +60% |
| Costs & expenses | $11.3M | $10.9M | $423K | +4% |
| Pre-tax earnings | $9.1M | $5.7M | $3.4M | +60% |
| Credit loss provision | $66K | $627K | −$561K | -89% |
| Noninterest expense | $11.2M | $10.2M | $984K | +10% |
| Net earnings | $7.0M | $4.6M | $2.5M | +55% |
| Income tax | $2.1M | $1.2M | $925K | +80% |
| Depreciation & amortization | $457K | $409K | $48K | +12% |
| Working capital & other | $2.4M | $2.2M | $152K | +7% |
| Operating cash flow | $5.1M | $2.8M | $2.4M | +87% |
| Free cash flow (OCF − capex) | $4.0M | $2.6M | $1.3M | +50% |
| Capital expenditures | $1.2M | $101K | $1.1M | 11× |
Questions
How much did Ames National's revenue grow year over year in Q3 2026?
Ames National's revenue rose $3.8M (+23%) from $16.6M in Q3 2025 to $20.4M in Q3 2026.
What drove Ames National's revenue change in Q3 2026?
Net interest income +$2.9M (+21%); Noninterest income +$929K (+37%).