FIRST NATIONAL BANK, AMES, IOWA

AMES, IA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1903FDIC #1,545

Satisfactory Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.17%

Institution Profile

FDIC BankFind

Website

WWW.FNBAMES.COM

Address

405 5th St, AMES, IA

County

Story County

Established

May 22, 1903

Total Assets

$1.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 7, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$939M

Net Loans

$666M

Net Income

$3M

ROA

1.17%

Above avg for Community banks. Peer avg: 0.90%

ROE

12.42%

Risk-Based Capital

15.83%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.17%Peer avg: 0.90%▲ Above avg

Risk-Based Capital15.83%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate10.61%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$918M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	179	75.98%	10.61%
2023	193	72.02%	7.25%
2022	278	75.9%	8.63%
2021	350	67.43%	9.14%
2020	392	72.7%	6.89%
2019	272	76.47%	6.62%
2018	187	64.71%	12.30%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2024	Satisfactory	Intermediate Small Bank
Oct 2021	Satisfactory	Intermediate Small Bank
Oct 2018	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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