Risk factors

Ames National (ATLO) risk factors

Item 1A of every Ames National Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    31 risks, 2 new, 1 dropped, 2 reworded since the prior year. Ames National Corp added trade policy risks regarding April 2025 tariffs and China retaliations, and artificial intelligence integration risks.

    Filed Mar 12, 2026
  • FY2024 10-K risk factors

    30 risks. Ames National Corp's risks focus heavily on credit concentration in Iowa agriculture and commercial real estate. Interest rate spreads and liquidity management drive operating results. Technology, cybersecurity, and compliance with extensive banking regulations are key ongoing concerns.

    Filed Mar 12, 2025