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Associated Banc-Corp (ASB) investor relations material
Associated Banc-Corp Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Strategic growth initiatives
Focused on sustainable organic growth by enhancing product offerings and digital capabilities, and launching successful programs for mass affluent customers.
Increased relationship managers by 44% from 4Q 2021 to 4Q 2025, with new offices in Kansas City and expanded presence in Dallas, Milwaukee, and Chicago.
Accelerated growth in major metro markets, including entry into Omaha and deeper penetration in the Twin Cities through the American National acquisition.
Financial performance highlights
Achieved record net income of $463 million in 2025, with 4.7% total loan growth and 11.6% C&I loan growth.
Total deposits and core customer deposits grew by 2.6% and 3.5%, respectively, while net interest income increased by 14.7%.
Net interest margin expanded by 25 bps, and return on average tangible common equity reached 13.63%.
Commercial and consumer growth
Expanded commercial team and leadership, adding new capabilities in asset-based lending and specialty deposit solutions.
Opened new offices and increased relationship managers, driving C&I loan growth and market share in key metros.
Launched upgraded checking products and digital features, supporting checking household growth and customer engagement.
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