ATLOMEDIUM SIGNALFINANCIAL10-K

ATLO reported substantially higher net income alongside enhanced cybersecurity governance disclosure and removal of specific subsidiary financial details.

The meaningful improvement in profitability combined with solid operating cash flow growth suggests improved operational efficiency. The new cybersecurity governance framework disclosure indicates proactive regulatory compliance ahead of emerging SEC requirements, while the removal of granular subsidiary metrics may signal streamlined reporting focus.

Comparing 2026-03-12 vs 2025-03-12View on EDGAR →
FINANCIAL ANALYSIS

ATLO demonstrated substantially higher profitability with net income growing meaningfully year-over-year, supported by solid operating cash flow expansion of 49%. The company maintained a strong balance sheet with cash reserves increasing 25% to $127 million and stockholders equity growing 19%, while reducing dividend payments by 22%, suggesting capital allocation discipline amid improved earnings performance.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+86.2%
$10.2M→$19.0M

Net income grew 86.2% — bottom-line growth signals improving overall business health.

Operating Cash Flow
Cash Flow
+49.2%
$14.3M→$21.3M

Operating cash flow surged 49.2% — exceptional cash generation, highest quality earnings signal.

Cash & Equivalents
Balance Sheet
+25.2%
$101.2M→$126.8M

Cash grew 25.2% — improving liquidity position supports investment and shareholder returns.

Dividends Paid
Cash Flow
-21.7%
$9.1M→$7.1M

Dividend reduced 21.7% — monitor management commentary on capital allocation priorities.

Stockholders Equity
Balance Sheet
+19%
$174.7M→$207.9M

Equity base grew 19% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-03-12
PRIOR — 2025-03-12
ADDED
atlo20251231_10k.htm 0001132651 AMES NATIONAL CORPORATION false --12-31 FY 2025 true true true false Our Board of Directors and executive officers are responsible for oversight of our information technology framework, including cybersecurity, information security, information technology and business continuity.
The Chief Information Officer ( CIO ) and other members of senior management sit on the Risk Management Committee and report to the Board of Directors and executive officers at least annually and on an as needed basis.
In the event of an immediate cyber threat to our business operations, the CIO would promptly initiate the Company s incident response plan including notifying executive officers, Board of Directors and regulators.
Our Board of Directors and executive officers are responsible for oversight of our information technology framework, including cybersecurity, information security, information technology and business continuity.
The Chief Information Officer ( CIO ) and other members of senior management sit on the Risk Management Committee and report to the Board of Directors and executive officers at least annually and on an as needed basis.
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REMOVED
4 As of December 31, 2024, First National had capital of $89.7 million and 117 full-time equivalent employees.
First National had net income for the years ended December 31, 2024 and 2023 of approximately $5.2 million and $5.5 million, respectively.
Total assets as of December 31, 2024 and 2023 were approximately $1.11 billion and $1.14 billion, respectively.
As of December 31, 2024, State Bank had capital of $16.4 million and 21 full-time equivalent employees.
State Bank had net income for the years ended December 31, 2024 and 2023 of approximately $933 thousand and $1.4 million, respectively.
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