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First National Bank, Ames, Iowa
Ames, IA · FDIC Certificate #1545 · Chartered 05/2
Total assets
$1.11B
Total deposits
$955.58M
Total equity
$104.94M
Net loans
$652.87M
Branches (offices)
9
Net income (YTD)
$6.80M
Rank: #948 of 4,213 U.S. banks by assets · #27 of 225 in Iowa. Assets changed 4.7% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 13.06% |
| Net interest margin (YTD) | 2.97% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 37.9% |
| Noncurrent loans (share of loans) | 1.41% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 68.3% |
| Real estate loans (share of loans) | 95.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $623.09M | 95.4% | |
| Commercial & industrial | $26.82M | 4.1% | |
| Consumer / individual | $4.56M | 0.7% | |
| Construction & development | $33.95M | 5.2% | |
| Agricultural | $5.76M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.09B | $978.99M | $5.11M | $80.22M |
| Jun 2023 | $1.15B | $964.89M | $2.77M | $79.71M |
| Jun 2024 | $1.11B | $935.49M | $1.94M | $85.16M |
| Jun 2025 | $1.06B | $918.39M | $3.72M | $97.52M |
| Jun 2026 | $1.11B | $955.58M | $6.80M | $104.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $955.58M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $955.58M.
Similar-sized banks
Liberty Savings Bank, F.S.B. ($1.11B) · Bank Of Labor ($1.11B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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