Associated Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 78.8% in Q2 2026, from -$44.5M to -$79.6M. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Associated Bank, N.A. is 3rd from the bottom among 85 Wisconsin banks, 10.23% (Q2 2026). Associated Bank, N.A. reported 10.23% on CET1 ratio for Q2 2026, 2.72 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.23% |
| Tier 1 risk-based capital ratio | 10.23% |
| Total risk-based capital ratio | 11.98% |
| Tier 1 leverage ratio | 8.40% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $4.20B |
| Tier 1 capital | $4.20B |
| Total risk-based capital | $4.92B |
| Total equity capital | $5.36B |
| Risk-weighted assets | $41.05B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 10.46% |
| Internal capital growth rate | -2.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $215K |
| Common stock surplus | $3.82B |
| Retained earnings | $1.61B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$79.6M |
| Subordinated notes and debentures | $250.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.60% | 9.60% | 11.48% | 7.97% | $33.44B |
| Q4 2023 | 9.69% | 9.69% | 11.64% | 7.82% | $32.68B |
| Q1 2024 | 9.87% | 9.87% | 11.82% | 8.07% | $32.70B |
| Q2 2024 | 9.98% | 9.98% | 11.94% | 8.13% | $32.72B |
| Q3 2024 | 9.80% | 9.80% | 11.74% | 8.07% | $33.27B |
| Q4 2024 | 10.11% | 10.11% | 12.03% | 8.34% | $33.89B |
| Q1 2025 | 10.25% | 10.25% | 12.20% | 8.34% | $33.73B |
| Q2 2025 | 10.31% | 10.31% | 12.25% | 8.34% | $34.18B |
| Q3 2025 | 10.40% | 10.40% | 12.32% | 8.41% | $34.62B |
| Q4 2025 | 10.52% | 10.52% | 12.43% | 8.53% | $35.06B |
| Q1 2026 | 10.52% | 10.52% | 12.41% | 8.57% | $35.72B |
| Q2 2026 | 10.23% | 10.23% | 11.98% | 8.40% | $41.05B |
Associated Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Associated Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5296) · FFIEC NIC profile (RSSD 917742)