Associated Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 45.95 percentage points lower than in Q1 2026, at 284.06%. Within Wisconsin, Associated Bank, N.A. is 115th of 153 on return on assets, 0.99% as of Q2 2026, below the middle of the field. Associated Bank, N.A. reported 0.99% on return on assets for Q2 2026, 0.31 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.23% |
| Tier 1 risk-based capital ratio | 10.23% |
| Total risk-based capital ratio | 11.98% |
| Tier 1 leverage ratio | 8.40% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 4.27% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 284.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 9.95% |
| Net interest margin | 3.15% |
| Efficiency ratio | 58.22% |
| Yield on earning assets | 5.30% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.17% |
| Core deposits to total deposits | 84.98% |
| Brokered deposits to total deposits | 12.34% |
| Deposits to assets | 77.51% |
| Securities to assets | 19.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.60% | 9.60% | 11.48% | 7.97% | 0.83% |
| Q4 2023 | 9.69% | 9.69% | 11.64% | 7.82% | -0.87% |
| Q1 2024 | 9.87% | 9.87% | 11.82% | 8.07% | 0.80% |
| Q2 2024 | 9.98% | 9.98% | 11.94% | 8.13% | 1.18% |
| Q3 2024 | 9.80% | 9.80% | 11.74% | 8.07% | 0.89% |
| Q4 2024 | 10.11% | 10.11% | 12.03% | 8.34% | -1.59% |
| Q1 2025 | 10.25% | 10.25% | 12.20% | 8.34% | 0.98% |
| Q2 2025 | 10.31% | 10.31% | 12.25% | 8.34% | 1.05% |
| Q3 2025 | 10.40% | 10.40% | 12.32% | 8.41% | 1.15% |
| Q4 2025 | 10.52% | 10.52% | 12.43% | 8.53% | 1.25% |
| Q1 2026 | 10.52% | 10.52% | 12.41% | 8.57% | 1.08% |
| Q2 2026 | 10.23% | 10.23% | 11.98% | 8.40% | 0.99% |
Associated Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Associated Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)