Use of artificial intelligence may result in reputational harm or liability, or could otherwise adversely affect the Company’s business.
Sees AI as a riskDetail: GeneralNew this year
Ames National Corp
ATLO · IA · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $2.2B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Ames National Corp mentions AI in 2 passages. It lists AI as a risk, but the report does not say how AI is controlled.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
2 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
General
What it says
Sees AI as a risk
Kinds of AI named
Generative AI
How AI is controlled
Not described
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 2 passages in 2025.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
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Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
- What it means
- Its most specific passage is "General"; for banks of its size the typical level is "General".
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 26 of 221 (12%) |
| Explains how AI is controlled | No | 55 of 221 (25%) |
| Sees AI as a risk | Yes | 184 of 221 (83%) |
| Mentions generative AI | Yes | 112 of 221 (51%) |
| Mentions AI agents | No | 18 of 221 (8%) |
What changed from 2024
2 passages new in the 2025 report, 0 passages from the 2024 report no longer there. The most specific passage is more detailed than last year.
Every passage about AI
- What this shows
- All 2 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Annual report, report year 2025 filed 12 Mar 2026
Artificial intelligence, including generative artificial intelligence, is or may be integrated into our products and services or those developed by our third-party partners. The development and use of AI presents potential risks and challenges to our business and may require significant additional investments in infrastructure, personnel and training. There can be no assurance that the usage of AI will enhance our products or services or be beneficial to our business or customers, including our efficiency or profitability. As with many developing technologies, artificial intelligence presents risks and challenges that could affect its further development, adoption and use, and therefore our business. Artificial intelligence algorithms may be flawed - for example datasets may contain biased information or otherwise be insufficient - and inappropriate or controversial data practices could impair the acceptance of artificial intelligence solutions and result in burdensome new regulations. If the analyses that products integrating artificial intelligence assist in producing for us or our third-party partners are deficient, biased or inaccurate, we could be subject to competitive harm, potential legal liability and brand or reputational harm. The use of artificial intelligence may also present ethical issues. If we or our third-party partners offer artificial intelligence enabled products that are controversial because of their purported or real impact on human rights, privacy, or other issues, we may experience competitive harm, potential legal liability and brand or reputational harm. In addition, we expect that governments will continue to assess and implement new laws and regulations concerning the use of artificial intelligence, which may affect or impair the usability or efficiency of our products and services and those developed by our third-party partners.
Sees AI as a riskDetail: GeneralGenerative AINew this year
Similar wording appears in 7 other banks' reports.
1 passage in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
● Technological changes and operational and reputational risks related to breaches of data security and cyber-attacks, and the potential integration of artificial intelligence components into our processes or those of our third-party partners.
New this year