Ames National Corporation is a bank holding company that operates through its banking segment. The Company owns and operates banking subsidiaries in central Iowa (the Banks), including First National Bank, Ames; Boone Bank & Trust Co., Boone; Iowa State Savings Bank, Creston; State Bank & Trust Co., Nevada; Reliance State Bank, Story City, and United Bank & Trust NA, Marshalltown. Its operations are conducted in the State of Iowa within the central, north central and south-central Iowa counties of Boone, Clarke, Hancock, Marshall, Polk, Story and Union. The Banks offer a range of deposit services, including checking accounts, savings accounts and time deposits of various types, which is ranging from money market accounts to longer-term certificates of deposit. The Banks also offer retirement accounts, such as individual retirement accounts (IRAs). It provides financial products, such as Internet banking and trust services for customers and communities.