Ames National operates as a multi-bank holding company that provides banking services through its subsidiaries, First National Bank, State Bank & Trust, Boone Bank & Trust, Reliance State Bank and United Bank & Trust. The Company offers a range of deposits, including checking accounts, savings accounts, time deposits, money market accounts, demand deposits, and certificates of deposit; loans, such as short-term and medium-term commercial and agricultural real estate loans, residential real estate loans and equipment loans; cash management, merchant credit card processing, safe deposit box and wire transfer, direct deposit of payroll and social security checks, and automated/video teller machine access services, as well as automatic drafts for various accounts. In addition, Ames offers farm management, investment, and custodial services for individuals, businesses, and non-profit organizations.