Associated Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Associated Bank, N.A. is the 49th-largest bank in the United States, with $51.8 billion in assets at June 30, 2026, up 17.8% from a year earlier. It is headquartered in Green Bay, Wisconsin, and operates 217 domestic branches. It holds common equity equal to 10.23% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%). It has also been growing, with assets up 17.8% in a year.
Net income for the quarter rose 12% from a year earlier, to $127 million. Its $4.0 billion non-owner-occupied commercial real estate book is improving, with 0.15% past due or on nonaccrual, down from 0.89% a year earlier. Profitability lags: it earns about $0.99 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, Associated Bank, N.A. reported a CET1 capital ratio of 10.23%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 4.08%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 200 N Adams St, Green Bay, WI 54301
- County
- Brown
- Metro Area
- Green Bay, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1874
- Former names
- Associated Bank Green Bay, National Association (1993-2001)
- Offices
- 217 domestic
- Employees (FTE)
- 4,337
- Domestic deposits
- $40.12B
- Allowance for credit losses
- $443.7M
- Net charge-offs (YTD)
- $28.5M
- Average total assets
- $51.21B
- Average total loans
- $35.51B
- Average interest-bearing deposits
- $38.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5296
- Fed RSSD
- 917742
- SEC CIK
- 7789 → filed by ASSOCIATED BANC-CORP
- Website
- www.associatedbank.com →
- Parent Holding Company
- ASSOCIATED BANC-CORP (RSSD 1199563) · ASB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Andrew J Harmening | CEO | President & CEO |
| Derek S. Meyer | CFO | EVP, Chief Financial Officer |
| Williams Terry Lynn | CIO | Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Associated Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Associated Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Associated Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Associated Bank, N.A.: Uninsured deposits.
Banks merged into Associated Bank, N.A.
- American National Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.23% | 0.99% | 0.42% | 4.08% | 3.15% |
| Q1 2026 | 10.52% | 1.08% | 0.36% | 3.54% | 3.00% |
| Q4 2025 | 10.52% | 1.25% | 0.33% | 3.22% | 3.06% |
| Q3 2025 | 10.40% | 1.15% | 0.36% | 3.47% | 3.04% |
| Q2 2025 | 10.31% | 1.05% | 0.42% | 4.14% | 3.02% |
| Q1 2025 | 10.25% | 0.98% | 0.46% | 4.24% | 2.94% |
| Q4 2024 | 10.11% | -1.59% | 0.42% | 3.96% | 2.82% |
| Q3 2024 | 9.80% | 0.89% | 0.46% | 4.42% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 217 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Associated Bank, N.A. (main office) | Green Bay , WI | 54301 | $5.75B |
| Milwaukee Branch | Milwaukee , WI | 53202 | $4.21B |
| Chicago Monroe Branch | Chicago , IL | 60661 | $2.81B |
| Madison Mineral Point Branch | Madison , WI | 53717 | $912.9M |
| Madison Monroe Branch | Madison , WI | 53711 | $856.6M |
| St Paul Liberty Branch | Saint Paul , MN | 55104 | $820.6M |
| American National Bank Branch | Omaha , NE | 68114 | $813.6M |
| Wausau Main Branch | Wausau , WI | 54401 | $514.0M |
| Gladstone - Norwood Branch | Chicago , IL | 60630 | $360.0M |
| St. Louis Park Branch | St. Louis Park , MN | 55416 | $359.9M |
| Marshfield Downtown Branch | Marshfield , WI | 54449 | $333.3M |
| Green Bay Howard Branch | Green Bay , WI | 54313 | $332.6M |
| Rockford Downtown Branch | Rockford , IL | 61103 | $291.4M |
| De Pere East Branch | De Pere , WI | 54115 | $289.9M |
| Janesville Lexington Branch | Janesville , WI | 53545 | $285.9M |
| Appleton Northland Branch | Appleton , WI | 54911 | $269.3M |
| Sheboygan Branch | Sheboygan , WI | 53081 | $262.6M |
| Neenah Main Branch | Neenah , WI | 54956 | $258.6M |
| Green Bay East Branch | Green Bay , WI | 54302 | $241.8M |
| St. Paul Branch | Saint Paul , MN | 55104 | $237.7M |
| 144th and Maple Branch | Omaha , NE | 68116 | $235.0M |
| West Broadway Branch | Council Bluffs , IA | 51503 | $220.0M |
| Saddlecreek Branch | Omaha , NE | 68106 | $219.1M |
| Manitowoc Downtown Branch | Manitowoc , WI | 54220 | $217.4M |
| Millard Branch | Omaha , NE | 68137 | $213.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2026 | Structure Change | Acquired American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2020 | Structure Change | Acquired The First National Bank in Staunton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 2018 | Structure Change | Acquired Bank Mutual Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 25, 2018 | M&A | Acquired Bank Mutual merger for the acquired bank | SEC |
| June 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 31, 2015 | Structure Change | Acquired First Reinsurance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2014 | Structure Change | Acquired Associated Commericial Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired The First National Bank of Hudson Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2005 | Structure Change | Acquired State Financial Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 21, 2005 | Structure Change | Acquired Associated Mortgage, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2005 | Structure Change | Acquired Associated Bank Minnesota, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 2005 | Structure Change | Acquired First Federal Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 2003 | Structure Change | Acquired Associated Bank Illinois, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 21, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2003 | Structure Change | Acquired Associated Card Services Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 27, 2001 | Structure Change | Acquired Associated Commercial Mortgage, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2001 | Structure Change | Acquired Associated Bank South Central Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2001 | Structure Change | Acquired Associated Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 20, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 21, 1999 | Structure Change | Acquired Citizens Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1993 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1993 | Structure Change | Acquired First National Bank of Sturgeon Bay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1989 | Structure Change | Acquired Associated De Pere Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 35 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Associated Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC); 3 against individuals associated with it
- June 26, 2014, OCC: Civil Money Penalty (CMP): Associated Bank, National Association
- February 23, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Associated Bank, National Association
- November 19, 2007, OCC: Civil Money Penalty (CMP): Associated Bank, National Association
- April 24, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Associated Bank, National Association
- Period: Most recent institution action June 26, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 13.1% of deposits in WI, rank 2 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 10,555 applications, 6,805 loans originated, $2.12B originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 85 loans, $60.4M approved, $710K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 142 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Associated Bank, N.A.
What are Associated Bank, N.A.'s total assets?
As of the Q2 2026 filing, Associated Bank, N.A. reported total assets of $51.76 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Associated Bank, N.A. headquartered?
Associated Bank, N.A. is headquartered in Green Bay, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Associated Bank, N.A. founded?
Associated Bank, N.A. was established in 1874, per the FDIC institution directory.
Is Associated Bank, N.A. FDIC-insured?
Yes. Associated Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #5296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Associated Bank, N.A.?
Associated Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Associated Bank, N.A.'s CET1 capital ratio?
Associated Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.23% in its Q2 2026 call report, above regulatory requirements.
How many branches does Associated Bank, N.A. operate?
Associated Bank, N.A. operates 217 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Associated Bank, N.A.'s Texas Ratio?
Associated Bank, N.A.'s Texas Ratio is 4.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Associated Bank, N.A. previously called?
The charter now named Associated Bank, N.A. has also operated as Associated Bank Green Bay, National Association (1993-2001), per FDIC structure-change records.
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