Associated Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Associated Trust Company, N.A. is an FDIC-insured bank headquartered in Milwaukee, WI. At Q2 2026 it reported total assets of $79.7M, down 5.2% from Q2 2025.
- Charter
- Bank
- Deposit insurance
- FDIC
- FDIC certificate
- Not reported
- Headquarters
- Milwaukee, WI
- Established
- Not reported
- Total assets, Q2 2026
- $79.7M
- Assets vs Q2 2025
- -5.2%
- Capital ratio
- Not reported
- Domestic offices
- Not reported
- Routing number
- 271250087
- Latest call report
- Q2 2026, FFIEC 041 · Associated Trust Company, N.A. call report
- Holding company
- ASSOCIATED BANK, NATIONAL ASSOCIATION
Associated Trust Company, N.A. is one of the more profitable banks of its size. The Milwaukee, Wisconsin bank had $80 million in assets at June 30, 2026, down 5.2% from a year earlier. It returns 43.8% a year on shareholders' equity, 5.1 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also funds 84.07% of its assets with Tier 1 capital, 6.4 times the median of 13.06% for banks its size.
Net income for the quarter rose 22% from a year earlier, to $7.4 million.
As of June 30, 2026, Associated Trust Company, N.A. reported a CET1 capital ratio of 171.77%, a return on assets of 36.79% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 2.2% to $79.7M. Judged on its Q2 2026 call report, Associated Trust Company, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Metro Area
- Milwaukee-Waukesha, WI
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 275
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $80.4M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 1629903
- SEC CIK
- 7789 → filed by ASSOCIATED BANC-CORP
- Parent Holding Company
- ASSOCIATED BANK, NATIONAL ASSOCIATION (RSSD 917742)
- Ultimate Parent
- ASSOCIATED BANC-CORP (RSSD 1199563)
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 annualizedAsset Quality
Capital & 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
Over the 12 quarters to Q2 2026, Associated Trust Company, N.A.'s total assets ran between $74.4M (Q3 2023) and $95.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$79.7M total assets against $84.0M; $11.4M total liabilities against $17.2M.
$0 net loans and leases against $0; $0 total deposits against $0.
$10.6M securities against $10.2M; $45.6M cash and balances due against $37.4M.
$240K total interest income against $294K; $0 total interest expense against $0.
$240K net interest income against $294K.
$27.2M total noninterest income against $23.8M; $18.5M total noninterest expense against $16.5M.
No provision recorded in the last 12 quarters.
$7.4M net income against $6.1M.
36.79% return on assets against 29.95%; 3.68% net interest margin against 4.46%.
171.77% CET1 capital ratio against 136.95%; 84.07% tier 1 leverage ratio against 82.70%.
Inside the full Associated Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 23.47% (Q4 2024) to 36.92% (Q3 2024) and its net interest margin ran from 3.63% (Q1 2026) to 5.28% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 171.77% | 36.79% | — | 0.00% | 3.68% |
| Q1 2026 | 176.11% | 27.40% | — | 0.00% | 3.63% |
| Q4 2025 | 130.89% | 35.11% | — | 0.00% | 4.04% |
| Q3 2025 | 131.18% | 36.04% | — | 0.00% | 4.43% |
| Q2 2025 | 136.95% | 29.95% | — | 0.00% | 4.46% |
| Q1 2025 | 130.96% | 28.68% | — | 0.00% | 4.42% |
| Q4 2024 | 133.49% | 23.47% | — | 0.00% | 4.64% |
| Q3 2024 | 142.06% | 36.92% | — | 0.00% | 5.28% |
Swipe the table sideways to see every column.
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, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2002 | Structure Change | Acquired Signal Trust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- 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
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), SBA 7(a) lending, 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 Trust Company, N.A.
What are Associated Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, Associated Trust Company, N.A. reported total assets of $79.7 million in its FFIEC call report.
Where is Associated Trust Company, N.A. headquartered?
It is headquartered in Milwaukee, WI, United States.
What is Associated Trust Company, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 171.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Associated Trust Company, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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.
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