ANNUAL
REPORT
www.amesnational.com
2025
2 2025 Annual Report | Ames National Corporation
Background
Ames National Corporation (the “Company”) is an Iowa-based
bank holding company which was organized on January 21,
1975, under the laws of the State of Iowa to serve as a bank
holding company.
The Company has six wholly owned affiliate banks including:
• Boone Bank & Trust Co., headquartered in Boone, Iowa,
• First National Bank, headquartered in Ames, Iowa,
• Iowa State Savings Bank, headquartered in Creston, Iowa,
• Reliance State Bank, headquartered in Story City, Iowa,
• State Bank & Trust Co., headquartered in Nevada, Iowa, and
• United Bank & Trust Co. headquartered in Marshalltown, Iowa.
Since 2012, the Company has completed four bank acquisitions
and continues to be involved in the bank mergers and
acquisitions market.
Affiliate Bank Structure
Each affiliate bank operates independently with its own
board of directors and executive leadership. Decisions
are made locally, which means customers receive quick
responses and services are customized to meet the unique
needs of each community.
The affiliate banks’ lending activities consist primarily of short
and medium-term commercial, agricultural, and residential
real estate loans, agricultural and business operating loans,
lines of credit, home improvement loans and the origination
of mortgage loans for sale into the secondary market. Affiliate
banks also offer a variety of checking, savings, money market,
and time deposits accounts, cash management services,
wealth management and trust services and merchant credit
card processing. Convenient access to funds and account
information is also available through online banking, video
banking, mobile banking, online bill pay, mobile wallet, online
statements, and debit cards.
AMES NATIONAL
CORPORATION
AT A GLANCE
VISION
STATEMENT
To be one of the
best performing
community banking
organizations in
the Midwest.
CORE VALUES
Ames National Corporation’s foundation is built
on these values which guide our actions.
EXCELLENCE
INTEGRITY
LEADERSHIP
STABILITY
TRUST
COMMUNITY
MISSION
STATEMENT
Customer Focused,
Locally Empowered, and
Team Member Driven.
Ames National Corporation | 2025 Annual Report 3
11
COMMUNITIES
Financial Literacy
Community
& Economic
Development
Health & Human
Services
3 Areas of Support
310
ORGANIZATIONS
18
LOCATIONS
260 Employees Served . . .
VOLUNTEER HOURS
10,985
10,985
ANC CORPORATE GIVING HIGHLIGHTS
4 2025 Annual Report | Ames National Corporation
Ames National Corporation (the “Company”) and our
affiliate banks are pleased to report a strong rebound in
profitability for the 2025 calendar year, steady progress in
achieving strategic planning priorities, changes regarding
our boards of directors, and economic factors impacting
our banks.
Financial Results
For the year ended December 31, 2025, net income for
the Company totaled $19.0 million or $2.14 per share,
compared to $10.2 million or $1.14 per share for the
preceding year of 2024. Lower interest expense on
deposits and other borrowings combined with higher loan
and investment yields were the primary factors driving the
improved profitability year over year.
In September of 2025, the Federal Reserve Bank lowered
the federal funds interest rate by 25 basis points (bps) with
two additional cuts of 25 bps in October and December.
This 75bps cut coupled with 2024 cuts of 1% in the federal
funds interest rate was the primary reason for interest
expense declining by $6.2 million in 2025 compared to
2024. In addition, interest income on loans improved
by $2.6 million year over year as average loan yields
improved 20 bps in 2025 over the previous year as a result
of low yielding, longer term fixed rate loans repricing to
higher market interest rates.
The graph below reflects the Company’s steady
improvement in net interest income and net interest
margin for the past 5 quarters.
Net loans as of December 31, 2025, decreased 2% to
$1.28 billion, as compared to $1.30 billion for year-end
2024. Factors contributing to the lack of loan growth
include a large loan payoff and a slowdown in economic
activity in the State of Iowa impacted by depressed
agricultural commodity prices, and higher real estate
construction costs. Deposits totaled $1.85 billion as of
December 31, 2025, relatively unchanged from a year
ago. The Company’s stockholders’ equity represented
9.7% of total assets as of December 31, 2025, with all six
affiliate banks considered well-capitalized as defined by
federal capital regulations. Stockholders’ equity as of
December 31, 2025, increased $33 million from year end
2024 primarily as the result of lower unrealized losses on
the Company’s investment portfolio and retention of net
income in excess of dividends.
As of December 31, 2025, the Company had 8,857,220
shares of common stock issued and outstanding. The
Company completed the repurchase of 100,000 shares
of stock at an average cost of $16.55 per share under
the repurchase program approved in November 2024.
Subsequently in August of 2025, the Company’s Board
approved the repurchase of an additional 200,000 shares
through November 17, 2026. The Company purchased
34,947 shares at an average price of $20.98 per share
through December 31,2025; leaving 165,053 shares
available to be repurchased under the latest repurchase
program.
The Company is forecasting earnings for the year ending
December 31, 2026, in the range of $2.70 to $2.80 per
share, or $24.4 million using the midpoint of the range.
Strategic Planning
The Company’s Board of Directors are pleased with
the success this past year by our Company and bank
management teams executing on the Company’s strategic
mission, vision, and initiatives. The Company’s strategic
priorities are aligned around growth and performance;
efficiency; talent and culture; data management; and
digital capabilities. Areas of focus include:
•
Building a stronger outbound business development
culture supported by the delivery and launch of our
new customer relationship management platform;
•
Driving continued efficiency improvements by
migrating to a stronger shared services model across
the Company’s affiliate banks;
LETTER TO SHAREHOLDERS
Ames National Corporation | 2025 Annual Report 5
•
Leveraging data across the organization to drive
better decisions and stronger revenues; and
•
Improving the digital experience of our customers
including the launch of a new commercial digital
banking platform to upgrade our treasury
management services.
Our Board and management team are excited about
the strategic plan and how its execution is expected to
improve shareholders’ returns, engage team members,
and provide improved customer financial solutions that
will position our organization for long-term success.
The Company will come together in the first half of 2026
to further build out our objectives for the 2026-2029
strategic planning cycle.
Boards of Directors
Betty Baudler Horras will be retiring from
the Company’s Board of Directors after
having served in that role since May of
2000. Betty serves as President of Baudler
Enterprises, Inc., dba as Sign Pro, a sign
and graphics business located in Ames,
Iowa and is the former owner and general
manager of three radio stations located
in Ames and Carroll, Iowa. She has also
served on the First National Bank Board of Directors
since 1991. Betty has served on the Company’s Personnel,
Nominating, Loan and Audit Committees throughout her
tenure and we will miss her engagement and business
acumen upon her retirement.
Amy Rieck has been newly nominated to
stand for election for the Company’s Board
of Directors. Amy has served on Iowa State
Savings Bank’s Board of Directors since 2019
and currently serves as the Chief Human
Resources Officer of Greater Iowa Health
in Creston, Iowa. Amy and her husband own and operate
KSIB, a radio station located in Creston, Iowa. In addition,
they are partial owners of Champion Steaks, LLC, a retail
meat distributor and livestock feed and supply business.
Rebecca Reisinger joined the First National
Bank Board of Directors in September of
2025. Rebecca is a Partner and Attorney At
Law with the New Point Law Firm in Ames,
Iowa. She advises clients primarily in the
areas of estate planning, probate, trust
administration, and real estate.
We are grateful to our Board members for lending their
expertise to further our mission and for providing us with
valuable insight into the communities we serve.
Economic Outlook
The banking industry experienced both encouraging
developments and notable challenges in 2025. On the
positive side, the decline in short term interest rates
relative to long term rates helped strengthen net interest
margins for our banks. If this rate environment persists,
it could provide additional momentum for our 2026 net
interest margin. Regulatory changes also offered some
relief, including the extension of the examination cycle for
our state chartered banks. Broader economic indicators
such as generally stable national employment and
inflation data added further support throughout the year.
However, 2025 also brought several headwinds.
Depressed commodity prices, reduced grain exports,
and ongoing uncertainty surrounding government trade
policies created a difficult environment for the banking
sector. These challenges were especially impactful in
Iowa, where the economy relies heavily on international
agricultural exports.
In Summary
We were encouraged by the strong improvement in our
net income during 2025. Looking ahead, we anticipate
continued earnings growth throughout 2026 as additional
loans and investments reprice and inflation remains at
manageable levels. We appreciate the ongoing support of
all our stakeholders and look forward to seeing you at the
annual meeting on April 29, 2026.
John P. Nelson
President & CEO
Patrick G. Hagan
Chairman of the Board
Betty
Baudler Horras
Rebecca
Reisinger
Amy Rieck
6 2025 Annual Report | Ames National Corporation
Net Income
$19.0 Million
Assets
$2.1 Billion
Return on
Average Assets
0.90%
Return on
Average Equity
9.95%
ATLO
Closing Price
$22.96
Dividends Declared
Per Share
$0.60
Loan Quality
(as % of gross loans)
Years Ended 2025 2024
Allowance
1.36% 1.29%
Net Charge-Offs 0.03% 0.03%
Market Price Per Share
Years Ended 2025 2024
Closing
$22.96 $16.43
High
$24.36 $22.41
Low
$16.04 $15.69
Per Common Share
Cash Dividends Declared $0.60
Dividend Yield*
3.48%
Year Ended 2025
FINANCIAL HIGHLIGHTS
As of and for the year ended December 31, 2025
* Based upon latest quarterly dividend of $0.20 and year-end ATLO closing price
Ames National Corporation | 2025 Annual Report 7
THREE-YEAR FINANCIAL HIGHLIGHTS
$1,800
$24
$1,600
$1.90
$1,000
$200
$1,700
$22
$1,500
$1.70
$900
$190
$1,600
$20
$1,400
$1.50
$800
$180
$1,500
$18
$1,300
$1.30
$700
$170
$1,400
$10
$1,200
$1.10
$600
$160
$1,300
$8
$1,100
$0.90
$500
$150
$1,200
$6
$1,000
$0.70
$400
$140
$1,100
$4
$900
$0.50
$300
$130
$1,000
$2
$800
$0.30
$200
$120
$900
$0
$700
$0.00
$100
$110
2024
$10.2
2024
$1.14
2024
$175
2023
$2,155
2023
$10.8
2023
$1,812
2023
$1.20
2023
$1,278
2023
$166
2025
$2,134
2025
$19.0
2025
$1,855
2025
$2.14
2025
$1,280
2025
$208
Total Assets
Millions of Dollars
Earnings
Millions of Dollars
Total Deposits
Millions of Dollars
Earnings Per Share
Dollars
Total Loans
Millions of Dollars
Capital
Millions of Dollars
$1,900
$2,000
$2,100
$1,700
$1,800
$1,900
$2,000
$1,100
$1,200
2024
$2,133
2024
$1,847
2024
$1,304
$2,200
$1,300
$1,400
PERFORMANCE RECORD
$16
$14
$12
$2.50
$2.30
$2.10
$230
$220
$210
8 2025 Annual Report | Ames National Corporation
AFFILIATE BANKS
Ames National Corporation | 2025 Annual Report 9
10 2025 Annual Report | Ames National Corporation
December 31, 2025
December 31, 2024
ASSETS
Cash and due from banks
$ 20,481
$
19,525
Interest-bearing deposits in financial institutions and federal funds sold
106,272
81,702
Total cash and cash equivalents
126,753
101,227
Interest-bearing time deposits
5,678
6,166
Securities available-for-sale
655,954
648,513
Federal Home Loan Bank (FHLB) and Federal Reserve Bank (FRB) stock, at cost
2,795
3,883
Loans receivable, net
1,280,222
1,303,917
Loans held for sale
472
342
Bank premises and equipment, net
20,920
21,567
Accrued income receivable
14,067
13,864
Other real estate owned
204
-
Bank-owned life insurance
3,303
3,214
Deferred income taxes, net
7,494
14,056
Other intangible assets, net
791
1,092
Goodwill
12,424
12,424
Other assets
2,463
2,915
Total assets
$
2,133,540
$
2,133,180
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Deposits
Noninterest-bearing checking
$ 353,766
$
358,386
Interest-bearing checking
635,885
619,951
Savings and money market
537,708
540,491
Time, $250 and over
85,799
84,996
Other time
241,509
242,858
Total deposits
1,854,667
1,846,682
Securities sold under agreements to repurchase
38,799
52,412
Other borrowings
21,352
46,952
Dividends payable
-
1,790
Accrued interest payable
2,562
3,208
Accrued expenses and other liabilities
8,266
7,430
Total liabilities
1,925,646
1,958,474
STOCKHOLDERS’ EQUITY
Common stock, $2 par value, authorized 18,000,000 shares; issued and outstanding
8,857,220 and 8,949,110 shares as of December 31, 2025 and 2024, respectively
17,714
17,898
Additional paid-in capital
12,135
13,635
Retained earnings
195,993
182,236
Accumulated other comprehensive (loss)
(17,948)
(39,063)
Total stockholders’ equity
207,894
174,706
Total liabilities and stockholders’ equity
$
2,133,540
$
2,133,180
CONSOLIDATED BALANCE SHEETS
(in thousands, except share and per share data)
Unaudited
Ames National Corporation | 2025 Annual Report 11
NONINTEREST EXPENSE
Salaries and employee benefits
26,176
25,145
Data processing
5,781
6,152
Occupancy expenses, net
2,992
3,007
FDIC insurance assessments
1,026
1,164
Professional fees
2,083
2,605
Business development
1,508
1,373
Intangible asset amortization
301
337
New Market Tax Credit projects amortization
766
766
Other operating expenses, net
1,296
1,442
Total noninterest expense
41,929
41,991
Income before income taxes
23,866
12,241
Provision for income taxes
4,839
2,023
Net Income
$
19,027
$
10,218
Basic and diluted earnings per share
$
2.14
$
1.14
Declared dividends per share
$
0.60
$
0.94
2025
2024
INTEREST AND DIVIDEND INCOME
Loans, including fees
$ 68,348
$
65,791
Securities
Taxable
12,956
12,014
Tax-exempt
1,726
1,994
Other interest and dividend income
4,063
2,808
Total interest and dividend income
87,093
82,607
INTEREST EXPENSE
Deposits
28,880
32,011
Other borrowed funds
2,551
5,620
Total interest expense
31,431
37,631
Net interest income
55,662
44,976
Credit loss expense
1,037
592
Net interest income after credit loss expense
54,625
44,384
NONINTEREST INCOME
Wealth management income
6,271
5,310
Service fees
1,542
1,450
Securities (losses), net
-
(165)
Gain on sale of loans held for sale
544
524
Merchant and card fees
1,448
1,640
Gain on sale of other real estate owned
407
11
Other noninterest income
958
1,078
Total noninterest income
11,170
9,848
Years Ended December 31
CONSOLIDATED STATEMENTS OF INCOME
(in thousands, except per share data)
Unaudited
12 2025 Annual Report | Ames National Corporation
RELIANCE STATE BANK
Reliance State Bank traces its roots to 1928, when
John H. Brekken founded what was then known as
Randall State Bank. Mr. Brekken immigrated from
Norway through Ellis Island at the age of 17 and went
on to build a career working in several banks across
South Dakota and Iowa. On March 28, 1928, at age
43, he opened Randall State Bank with the support
of a few local farmers and small business owners who
collectively invested $30,000 to serve the financial
needs of the community.
Mr. Brekken once described Randall as being “in the
heart of the garden spot of the world, a place to grow
and to raise a family among the finest of people.”
That philosophy of community and stewardship has
remained central to the bank’s mission for nearly a
century.
Shortly after the bank’s founding, the Great
Depression struck. Despite the economic hardship,
the bank remained resilient — a pattern that
continued through subsequent challenges, including
the savings and loan crisis, the Great Recession, and
the COVID-19 pandemic. Remarkably, some of the
original stockholders remained involved with the bank
through 1994.
In 1964, Carroll Kinseth, Mr. Brekken’s son-in-law,
purchased a controlling interest in the bank. In 1972,
the historic pioneer building
in Story City was purchased,
remodeled, and restored.
Originally constructed in the late
1800s by Mr. G. Christianson - the
same builder of the original Randall
Bank building became the bank’s
main office. The institution was
renamed Randall-Story State Bank,
and the Story City branch officially
opened on January 2, 1973, where
it continues to serve customers
today.
In 1995, Randall-Story State Bank
joined Ames National Corporation.
Through this partnership, the
bank retained its charter and local decision-making
authority while gaining operational efficiencies and
additional resources.
In April 2012, the bank expanded into the Garner
community and adopted its current name, Reliance
State Bank (RSB). The name reflects the bank’s
core values of being reliable, stable leaders in our
communities who are committed to doing business
the right way.
Reliance State Bank’s strong community roots run
deep in the Story City and Garner communities.
Many staff members have lifelong local connections,
including many bankers with decades of experience.
This blend of long-standing experience and newer
talent allows RSB to meet customers where they
are, while fostering growth and shared expertise for
both employees and customers alike. These enduring
relationships translate directly into the care, trust, and
personal service RSB provides. Being a community
bank means being fully engaged in the communities it
serves — in every way that matters.
RSB has benefited from consistent, strong leadership
throughout its history. Rick Schreier currently serves as
the bank’s fifth president in its 98-year history.
Ames National Corporation | 2025 Annual Report 13
Schreier began his banking
career with State Bank & Trust in
Nevada, Iowa as an officer trainee
right out of college and joined
RSB in 2006 as a senior lender.
He was appointed President in
2008. With two distinct locations
serving unique markets, Reliance
State Bank is well positioned for
continued growth.
UNIQUELY STORY CITY
Story City is rich in history; a legacy reflected in the
bank’s historic building and deep community roots.
Community involvement remains central to RSB’s
mission, with employees actively supporting local
empowerment by donating their time, talent, and
resources to a wide range of civic, nonprofit, school,
and community organizations.
In 2025, RSB Story City proudly contributed to and
supported the Story City Library renovation, which
opened late in the year. The bank also hosts an annual
customer appreciation picnic that brings together
nearly 400 community members for fellowship, music,
and food.
RSB Story City maintains a controlling share of
the local banking market and offers a competitive
advantage as the only bank in town open on
Saturdays. The banks year-to-date loan-to-deposit
ratio is 82.79%.
UNIQUELY GARNER
Garner recently welcomed Kent
E. Thoe as Market President
and Agriculture & Commercial
Lender. Kent brings decades of
banking experience and a strong
commitment to community
service. A longtime Ventura
resident, he is actively involved in
the communities he serves.
The Garner team, comprised of 19 employees,
exemplifies the heart of small-town banking and
included three bankers with more than 50 years of
service. The team consistently comes together to
make a meaningful impact, most recently donating
$15,000 to support the construction and financing of
the Garner Christian Child Care Center (GC4 Daycare).
This project addresses a critical childcare need in the
community and will benefit Garner families for years
to come.
RSB Garner hosts an annual customer appreciation
picnic that attracted more than 700 attendees in
2025, serving as a clear reflection of the trust and
long-standing relationships built throughout the
community.
SERVING THE AGRICULTURE INDUSTRY
Like the state of Iowa, Reliance State Bank remains
deeply connected to agriculture. As the bank
looks toward 2026, the agricultural economy faces
challenges, with commodity prices projected to
remain below the cost of production. However,
resilience has long been a hallmark of both Iowa
farmers and Reliance State Bank. Chartered in
1928 - just one year before the onset of the Great
Depression, the bank has navigated numerous
agricultural downturns over the decades. Reliance
State Bank remains committed to supporting local
farmers and agricultural customers, working alongside
them to weather challenges and build long-term
success.
While technology, names, and locations may change,
one principle remains constant: treating others the
way we would want to be treated. Reliance State
Bank is proud to be a true community bank — offering
local decision-making from people you know and
trust, combined with the resources and capabilities of
a larger institution. For generations, RSB has been a
pillar in the Story City and Garner communities, and
we look forward to continuing to serve their evolving
needs for years to come.
Rick Schreier
Kent E. Thoe
14 2025 Annual Report | Ames National Corporation
BOARD OF DIRECTORS
Jeffery C. Baker
Retired partner from RSM US LLP
Betty A. Baudler Horras
President, Baudler Enterprises, Inc.
Douglas W. Beals
Attorney for Moore, McKibben,
Goodman & Lorenz LLP
Michelle R. Cassabaum
Chief Operating & Financial Officer,
21st Century Rehab P.C.
Lisa M. Eslinger
Retired Chief Financial and
Administrative Officer for the Iowa
State University Foundation
Patrick G. Hagan
Chairman of the Board
Retired Senior Vice President of
Fareway Stores, Inc.
Everett S. Miles
Vice President, Enterprise, Strategy,
Innovation, and Capital Markets
Principal Financial Group
John P. Nelson
President & CEO of the Company
John L. Pierschbacher
Retired Chief Financial Officer
of the Company
Kevin L. Swartz
Retired Chief Executive Officer,
Wolfe Clinic PC
Scot A. Trost
Farm Owner and Operator
Ames National Corporation | 2025 Annual Report 15
SHAREHOLDER INFORMATION
Annual Meeting
The Board of Directors of Ames National Corporation has
established Wednesday, April 29, 2026, at 4:30 p.m. as the
date of its Annual Meeting of Shareholders.
The meeting will be held at Reiman Gardens, 1407
University Blvd, Ames, Iowa 50011 and shareholders
are encouraged to attend.
External Auditor
Forvis Mazars, LLP
Springfield, MO
Counsel
Nyemaster Goode, P.C.,
Des Moines, IA
Market Makers and Brokers
Ames National Corporation’s common stock is listed on
the NASDAQ Capital Market under the symbol “ATLO.”
To purchase stock, contact a Market Maker or Broker.
First Point Wealth Management, First National Bank,
405 5th Street, Ames, IA 50010 (515) 715-1942
D.A. Davidson | (800) 394-9230
Raymond James Financial Inc. | (800) 248-8863
Stock Transfer Agent
Continental Stock Transfer & Trust
1 State Street, 30th Floor
New York, NY 10004
(212) 509-4000
continentalstock.com
Form 10-K and Other Information
A copy of the Company’s Annual Report to the Securities
and Exchange Commission on Form 10-K will be available
on the Securities and Exchange Commission’s website at
http://www.sec.gov and through a link on the Company’s
website at amesnational.com on or about March 13, 2026.
Additional information is also available by contacting
Justin Clausen, CFO at 515-232-6251 or
info@amesnational.com.
The Private Securities Litigation Reform Act of 1995 provides the Company
with the opportunity to make cautionary statements regarding forward-looking
statements contained in this Summary Annual Report, including forward-
looking statements concerning the Company’s future performance and
asset quality. Forward-looking statements contained in this Summary Annual
Report are not historical facts and are based on management’s current beliefs,
assumptions, predictions and expectations of future events, including the
Company’s future performance, taking into account all information currently
available to management. These beliefs, assumptions, predictions and
expectations are subject to numerous risks and uncertainties and can change
as a result of many possible events or factors, not all of which are known
to management and many of which are beyond management’s control. If a
change occurs, the Company’s business, financial condition, liquidity, results
of operations, asset quality, plans and objectives may vary materially from
those expressed in the forward-looking statements. Accordingly, investors are
cautioned not to place undue reliance on such forward-looking statements.
These statements are often, but not always, made through the use of words or
phrases such as “anticipates,” “believes,” “can,” “could,” “may,” “predicts,”
“potential,” “should,” “will,” “estimate,” “plans,” “projects,” “forecasts”,
“continuing,” “ongoing,” “expects,” “views,” “intends” and similar words
or phrases. The risks and uncertainties that may affect the Company’s future
performance and asset quality include, but are not limited to, the following:
national, regional and local economic conditions and the impact they may
have on the Company and its customers; competitive products and pricing
available in the marketplace; changes in credit and other risks posed by the
Company’s loan and investment portfolios, including declines in commercial
or residential real estate values or changes in the allowance for credit losses
as dictated by new market conditions or regulatory requirements; changes in
local, national and international economic conditions, including rising inflation
rates; fiscal and monetary policies of the U.S. government; the imposition of
tariffs and retaliatory tariffs; changes in governmental regulations affecting
financial institutions (including regulatory fees and capital requirements);
changes in prevailing interest rates; credit risk management and asset/liability
management; the financial and securities markets; the availability of and cost
associated with sources of liquidity; and other risks and uncertainties inherent
in the Company’s business, including those discussed under the headings
“Forward-Looking Statements and Business Risks” and “Risk Factors” in the
Company’s Annual Report on Form 10-K for the year-ended December 31,
2024. Any forward-looking statements are qualified in their entirety by the
foregoing risks and uncertainties and speak only as of the date on which such
statements are made. The Company undertakes no obligation to revise or
update such forward-looking statements to reflect events or circumstances
after the date on which the statements are made or to reflect the occurrence of
unanticipated events.
Ames National Corporation
323 6th Street | P.O. Box 846
Ames, IA 50010
(515) 232-6251 | Fax (515) 598-7871
info@amesnational.com | amesnational.com