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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
First National Bank Ames, Iowa Rates & Review September 2026First National Bank Ames, Iowa's 18-Month CD rates are at 3.60%, 9-Month CD rates are at 3.55%, 3-Month CD rates are at 3.44%, 18-Month CD rates are at 3.34%, 9-Month CD rates are at 3.29%. First National Bank Ames, Iowa's savings rates are at 0.55%. First National Bank Ames, Iowa's Auto Loan Rates are as low as 8.29%. MonitorBankRates evaluates the financial stability of First National Bank Ames, Iowa with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.87%. Rates last updated and verified on 09/19/2026. First National Bank Ames, Iowa money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank Ames, Iowa? Share your experience about First National Bank Ames, Iowa by leaving a review below, or read customer reviews before you decide to use First National Bank Ames, Iowa.
First National Bank Ames, Iowa CD Rates
First National Bank Ames, Iowa Savings Rates
First National Bank Ames, Iowa Money Market Rates
First National Bank Ames, Iowa Checking Rates
First National Bank Ames, Iowa Auto Loan Rates
First National Bank Ames, Iowa Other Rates
Financial Health HistoryFirst National Bank Ames, Iowa’s Texas Ratio fell from 15.05% in Q3 2023 to 8.87% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First National Bank Ames, Iowa is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather First National Bank Ames, Iowa rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First National Bank Ames, Iowa's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
First National Bank Ames, Iowa
Bank Holding Company
AMES NATIONAL CORP
Address
405 5th St,
Ames, IA 50010 · Story
Website
https://www.fnb247.com
FDIC Certificate #
1545
Established
19030522
FDIC Insurance Date
19340101
Domestic Offices
10
Total Branches
10
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
8.87%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.2320%
Return on Equity (ROE)
13.0600%
Non-Performing Loans (NPL)
0.84%
Total Assets
$1,111,663,000
Total Deposits
$955,576,000
Equity Capital
$104,942,000
Net Income
$6,802,000
Headquarters
Ames
Total Branches and Offices
10
Source: FDIC | Last Updated 06/30/2026
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Frequently Asked Questions About First National Bank Ames, IowaHow many branches does First National Bank Ames, Iowa operate?First National Bank Ames, Iowa currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, First National Bank Ames, Iowa does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First National Bank Ames, Iowa provides members with tools to manage their accounts and build a solid financial history. Does First National Bank Ames, Iowa offer online and mobile banking?Most modern institutions like First National Bank Ames, Iowa provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnb247.com. Current First National Bank Ames, Iowa Rates
Retrieved from our database of financial products. Rates subject to change.
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