Associated Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.82 percentage points higher than in Q1 2026, at 227.78%. Within Wisconsin, Associated Bank, N.A. is 66th of 153 on loan-to-deposit ratio, 91.17% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Associated Bank, N.A. sits 4.34 points higher, at 91.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.58B |
| Net loans and leases | $36.13B |
| Loans held for sale | $109.5M |
| Loans to total assets | 70.67% |
| Loan-to-deposit ratio | 91.17% |
| Net loans to equity capital | 6.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.27% |
| Multifamily (5+ residential) | 6.73% |
| Commercial and industrial | 26.27% |
| Consumer | 12.21% |
| Credit cards | 0.56% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.78% |
| Construction concentration (Tier 1 capital + allowance) | 54.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.65% |
| Interest income on loans | $501.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $30.25B | $32.15B | 14.65% | 22.93% | 7.55% |
| Q4 2023 | $29.34B | $33.49B | 15.08% | 23.72% | 8.64% |
| Q1 2024 | $29.55B | $33.73B | 14.98% | 23.84% | 9.24% |
| Q2 2024 | $29.70B | $32.76B | 14.68% | 23.64% | 9.48% |
| Q3 2024 | $30.07B | $33.82B | 14.66% | 23.75% | 9.88% |
| Q4 2024 | $30.45B | $34.90B | 14.30% | 24.50% | 10.28% |
| Q1 2025 | $30.35B | $35.23B | 14.79% | 25.53% | 10.51% |
| Q2 2025 | $30.71B | $34.20B | 14.04% | 26.25% | 10.67% |
| Q3 2025 | $31.03B | $34.94B | 14.25% | 25.17% | 10.80% |
| Q4 2025 | $31.24B | $35.64B | 14.09% | 26.26% | 10.98% |
| Q1 2026 | $31.89B | $35.80B | 13.87% | 26.80% | 10.81% |
| Q2 2026 | $36.58B | $40.12B | 15.27% | 26.27% | 12.21% |
Associated Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Bank, N.A., freeSource: Call Report Schedule RC-C, 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)