Green Bay, WI · Cert 5296 · Associated Banc-Corp
National charter · OCC · 217 branches
Q2 2026
Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 10.6% share · #4 of 43 inst. · $8.5B of $79.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.05% | 1.10% | 1.07% | 1.05% | +4 bps | |
| Return on Equity | 9.59% | 10.02% | 10.44% | 10.10% | 9.94% | +35 bps | |
| Net Interest Margin | 2.77% | 2.77% | 2.77% | 2.80% | 2.71% | -6 bps | |
| Efficiency Ratio | 57.85% | 56.96% | 56.64% | 56.52% | 57.69% | -16 bps | |
| Non-Interest Burden | 1.34% | 1.29% | 1.27% | 1.27% | 1.30% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.67% | 5.30% | 5.07% | 5.29% | 17.81% | +1,214 bps | |
| Loan Growth (YoY) | 3.40% | 3.18% | 2.59% | 5.06% | 19.09% | +1,569 bps | |
| Deposit Growth (YoY) | 4.38% | 3.32% | 2.11% | 1.62% | 17.31% | +1,293 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.36% | 0.33% | 0.36% | 0.42% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.15% | 0.12% | 0.07% | 0.16% | +2 bps | |
| Allowance / Loans | 1.23% | 1.22% | 1.21% | 1.21% | 1.21% | -1 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.4x | 3.6x | 3.4x | 2.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.34% | 8.41% | 8.53% | 8.57% | 8.40% | +6 bps | |
| Total Risk-Based Capital | 12.25% | 12.32% | 12.43% | 12.41% | 11.98% | -27 bps | |
| Equity / Assets | 10.54% | 10.60% | 10.63% | 10.61% | 10.35% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.81% | 88.79% | 87.65% | 89.06% | 91.17% | +136 bps | |
| Liquid Assets / Assets | 10.04% | 10.00% | 10.51% | 9.86% | 9.23% | -81 bps | |
| CRE / Total Capital | n/a | 235% | 228% | 228% | n/a | n/a | |