Associated Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Associated Bank, N.A. is an FDIC-insured commercial bank headquartered in Green Bay, WI, established in 1874 (FDIC certificate 5296), and it is supervised by the OCC. At Q2 2026 it reported total assets of $51.76B, up 17.8% from Q2 2025, the largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 10.23% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5296
- Headquarters
- Green Bay, WI
- Established
- 1874
- Total assets, Q2 2026
- $51.76B
- Assets vs Q2 2025
- +17.8%
- CET1 ratio, Q2 2026
- 10.23%
- Domestic offices
- 218 FDIC institution directory, current count
- Routing number
- 075900575
- Latest call report
- Q2 2026, FFIEC 041 · Associated Bank, N.A. call report
- Holding company
- ASSOCIATED BANC-CORP
- Asset rank in state
- 1st of 153 in Wisconsin
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 218 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Associated Bank, N.A. is the largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 13.7% to $51.76B, loans rose 14.7% and deposits rose 12.1%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 26.3% of total loans, followed by 1-4 family residential loans at 21.1%. Judged on its Q2 2026 call report, Associated Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 218 FDIC institution directory, current count
- 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 |
| Jayne C Hladio | PRES | EVP, President Private Wealth |
| Derek S. Meyer | CFO | EVP, Chief Financial Officer |
| Williams Terry Lynn | CIO | Chief Information Officer |
| Angela M Kelley | GC | General Counsel & Corp Sec'y |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Associated Bank, N.A.'s total assets moved between a low of $40.97B (Q4 2023) and a high of $51.76B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$51.76B total assets against $43.93B; $46.40B total liabilities against $39.30B.
$36.13B net loans and leases against $30.34B; $40.12B total deposits against $34.20B.
$9.89B securities against $8.72B; $1.83B cash and balances due against $1.26B.
$623.3M total interest income against $545.2M; $253.9M total interest expense against $246.0M.
$369.4M net interest income against $299.3M.
$79.7M total noninterest income against $66.9M; $270.4M total noninterest expense against $207.7M.
$19.4M provision for credit losses against $18.0M.
$126.7M net income against $113.6M.
0.99% return on assets against 1.05%; 3.15% net interest margin against 3.02%.
10.23% CET1 capital ratio against 10.31%; 8.40% tier 1 leverage ratio against 8.34%.
Inside the full Associated Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 49 of 4,196, for total assets; its furthest is 2,076 of 2,134, for 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
From Q3 2024 to Q2 2026, its return on assets ran from -1.59% (Q4 2024) to 1.25% (Q4 2025) and its net interest margin ran from 2.80% (Q3 2024) to 3.15% (Q2 2026).
| 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
View all 217 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Associated Bank, N.A. headquartered?
It is headquartered in Green Bay, WI, United States.
When was Associated Bank, N.A. founded?
It was established in 1874, per the FDIC institution directory.
Is Associated Bank, N.A. FDIC-insured?
Yes. It 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.
What is Associated Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 218 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?
Its Texas Ratio is 4.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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