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Ames NationalATLO +1.29%59 Equity-to-Asset is 0.10 as of Mar. 2026, which is at its 10-year median of 0.10. GuruFocus rates ATLO with a GF Score™ of 59/100 and a GF Value™ of $24.14 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,524 Banks companies, Ames National ranks better than 54.86% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Ames National's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $207.57 Mil. Ames National's Total Assets for the quarter that ended in Mar. 2026 was $2,142.54 Mil.
Therefore, Ames National's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.10.
The historical rank and industry rank for Ames National's Equity-to-Asset or its related term are showing as below:
ATLO'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.13
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Ames National was 0.13. The lowest was 0.07. And the median was 0.10.
ATLO's Equity-to-Asset is ranked better than 54.86% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs ATLO: 0.10
Ames National (NAS:ATLO) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Ames National Equity-to-Asset Related Terms
Ames National Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Ames National's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ATLO vs HWBK, ISBA, FXNC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Ames National's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ames National Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ames National's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ames National's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Ames National's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ames National (ATLO) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ames National and its competitors. This is near median its historical median of 0.10. Over the past decade, Ames National's Equity-to-Asset has ranged from 0.07 to 0.13. According to the industry distribution chart, Ames National ranks #688 out of 1524 companies in the Banks industry, placing it in the top 45.1%.
Is Ames National's Equity-to-Asset too high?
Ames National's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. Ames National's value of 0.10 is 0% at this industry median. Based on the distribution chart, Ames National ranks #688 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, Ames National has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ames National's Equity-to-Asset compare to HWBK and ISBA?
According to the Banks industry distribution chart, Ames National ranks #688 out of 1524 companies for Equity-to-Asset. This puts Ames National in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Ames National's value of 0.10 is 0% at this benchmark. Historically, Ames National's own Equity-to-Asset has ranged from 0.07 to 0.13 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Ames National has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ames National's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ames National and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ames National's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ames National stock overvalued right now?
Based on GuruFocus' analysis, Ames National (ATLO) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.14, compared to a current price of $30.92 — trading 28.1% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. Ames National's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Ames National (ATLO), the current Equity-to-Asset is 0.10 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ames National (ATLO) Overvalued in 2026?
Based on GuruFocus' analysis, Ames National stock appears to be overvalued.
The current stock price of $30.92 is trading 28.1% above its estimated GF Value™ of $24.14.
GuruFocus considers Ames National to be Modestly Overvalued.
Key valuation signals for ATLO:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $24.14 vs. price of $30.92 (28.1% above fair value)
Industry Position: 0% at the Banks median (#688 of 1524)
No single metric tells the full story. See the ATLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ames National Corporation is a bank holding company based in the United States. Through its subsidiaries, it provides a range of banking and other financial products and services to customers in Iowa, mainly in Boone, Clarke, Hancock, Marshall, Polk, Story, Taylor, and Union in central, north-central, and south-central Iowa. The Group offers several financial products and services, including checking and savings accounts, time deposits, commercial, construction, and agricultural loans, personal loans, lines of credit, cash management services, merchant credit card processing, safe deposit boxes, and ATM services, among others. It caters to the banking needs of a diverse range of customers, including individuals, businesses, professionals, and enterprises.
59GF Score
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