Associated Banc-Corp (ASB) reported record annual net income available to common equity of USD 463 million for full year (FY) 2025. Total loan growth reached 4.7%, while total commercial and industrial loan growth was 11.6% for the period. Total deposit growth stood at 2.6%, with core customer deposit growth at 3.5%. Net interest income increased by 14.7%, and net interest margin expanded by 25 basis points. Noninterest income for the year was USD 296 million, with adjusted noninterest income growth of 9.0%, or USD 24 million. The company reported a return on average equity of 9.95% and a return on average tangible common equity of 13.63%. The common equity Tier 1 (CET1) ratio increased by 48 basis points from fourth quarter (Q4) 2024 to Q4 2025, and net charge-offs to average loans were 0.12%. During 2025, ASB expanded its commercial banking presence, opening a Kansas City office and acquiring American National, which provided entry into the Omaha market and deepened presence in the Twin Cities. The company increased its relationship managers by 44% from Q4 2021 to Q4 2025 and added new leadership roles in corporate and commercial banking. ASB also accelerated marketing acquisition efforts, particularly in Omaha and the Twin Cities, and expanded its commercial team in Kansas City as well as its commercial presence in Dallas. Enhanced product and service offerings included asset-based lending, equipment finance, and specialty deposit and payment solutions.

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