First National Bank, Ames, Iowa is a national bank headquartered in Ames, Iowa, in business for about 123 years. At the end of Q2 2026 it reported $1.1B in total assets and $955.6M in deposits, with 10 offices.
First National Bank, Ames, Iowa has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 192nd. Problem-loan coverage contributes the most (84/100, 8.2%); capital cushion contributes the least (49/100, 9.86%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (53 → 60), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 47 |
| Q4 2024 | 50 |
| Q1 2025 | 48 |
| Q2 2025 | 53 |
| Q3 2025 | 50 |
| Q4 2025 | 57 |
| Q1 2026 | 60 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.04% |
| Q3 2024 | 9.28% |
| Q4 2024 | 9.30% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.66% |
| Q3 2025 | 10.04% |
| Q4 2025 | 9.93% |
| Q1 2026 | 9.85% |
| Q2 2026 | 9.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.83% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.78% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.98% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.47% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.1B | 9.86% | 1.41% | 1.23% | 68.3% |
| Q1 2026 | 60 | $1.1B | 9.85% | 1.41% | 1.17% | 70.9% |
| Q4 2025 | 57 | $1.1B | 9.93% | 1.43% | 0.91% | 70.5% |
| Q3 2025 | 50 | $1.1B | 10.04% | 1.98% | 0.72% | 73.3% |
| Q2 2025 | 53 | $1.1B | 9.66% | 1.63% | 0.68% | 72.7% |
| Q1 2025 | 48 | $1.1B | 9.36% | 1.78% | 0.41% | 70.3% |
| Q4 2024 | 50 | $1.1B | 9.30% | 1.63% | 0.47% | 71.1% |
| Q3 2024 | 47 | $1.1B | 9.28% | 1.83% | 0.40% | 75.6% |
| Q2 2024 | 49 | $1.1B | 9.04% | 1.43% | 0.34% | 72.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Marion, IA | 91 out of 100, Very strong | $1.1B | 14.4% | 0.21% | vs |
| Pilot Grove Savings BankBank Pilot Grove, IA | 74 out of 100, Strong | $1.2B | 8.8% | 0.13% | vs |
| Peoples BankBank Rock Valley, IA | 69 out of 100, Moderate | $1.3B | 10.7% | 0.85% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |
| Capra BankBank Dubuque, IA | 68 out of 100, Moderate | $1.3B | 8.9% | 0.00% | vs |
| Bank MidwestBank Spirit Lake, IA | 69 out of 100, Moderate | $1.3B | 10.2% | 0.42% | vs |
Deposit insurance
Is my money safe at First National Bank, Ames, Iowa?
Yes. First National Bank, Ames, Iowa is an FDIC-insured institution (FDIC certificate #1545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.9% of deposits ($362.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.21% (benchmark: 10%).
10 locations
Branches
First National Bank, Ames, Iowa lists 9 offices in 4 cities. Most locations:
- Ames, IA (3)
- West Des Moines, IA (3)
- Osceola, IA (2)
- Ankeny, IA (1)
HMDA 2025
Mortgage lending
In 2025, First National Bank, Ames, Iowa reported 201 home-loan applications under HMDA (LEI 549300OIJZOV6CPR1Y57): 141 originated ($59,455,000 total), 24 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First National Bank, Ames, Iowa
- Former names
- The Ames Trust and Savings Bank
- Type
- National bank
- FDIC certificate #
- 1545
- RSSD ID
- 820048
- Primary regulator
- OCC
- Holding company
- Ames National Corp
- Established
- May 22, 1903
- Headquarters
- 405 5th St, Ames, IA 50010
- Website
- www.fnbames.com
- Employees
- 117
Quick answers
First National Bank, Ames, Iowa: common questions
Is First National Bank, Ames, Iowa FDIC insured?
Yes. First National Bank, Ames, Iowa is an FDIC-insured institution (FDIC certificate #1545). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank, Ames, Iowa's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank, Ames, Iowa ever failed?
There is no failure record for FDIC certificate #1545 in the FDIC failed bank list.
How many branches does First National Bank, Ames, Iowa have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ames
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Community Choice Credit UnionCredit union Johnston, IA | 79 out of 100, Strong | $922.9M | 12.7% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| Community State BankBank Ankeny, IA | 76 out of 100, Strong | $1.7B | 11.7% | 0.19% | vs |
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |