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- **Record 2025 Performance**: $2.77 annual EPS, 15% NII growth, 9% noninterest income expansion. C&I loans up 50% since 2020.
- **Strategic Growth**: 2026 targets: 9-10% C&I loan growth, 5-6% deposit growth. 11 new RMs hired in key markets.
- **Financial Strength**: 3.06% NIM, 55% efficiency ratio. CET1 10.49%, TCE 8.29%.
- **Credit Stability**: 12bps annual charge-offs, 32bps nonaccruals. CRE paydowns of $88M in Q4.
- **American National Deal**: Expected 2.25x return on investment post-close.

**【CEO Summary Section】**
- **2025 Financial Highlights**: Reported $0.80 EPS for Q4 and $2.77 annual EPS, driven by 15%+ net interest income (NII) growth and 9% noninterest income expansion. Total loans grew 5% year-over-year, with C&I loans up 50% since 2020.
- **Strategic Investments**: Phase 2 initiatives completed in 2025, including $1.2B C&I loan growth and $1B core deposit expansion. American National acquisition (expected Q2 2026 close) adds Omaha and Twin Cities market share.
- **2026 Growth Plan**: Target 9-10% C&I loan growth, 5-6% total loan growth, and 5-6% core deposit growth. Hiring 11 new RMs across Twin Cities, Kansas City, and Dallas.

**【CFO Financial Commentary】**
- **Net Interest Income**: Q4 NII of $310M (record high), with 15% annual growth. 2026 NII guidance of 5.5-6.5% growth assumes 2 Fed rate cuts. Net interest margin (NIM) expanded 25bps year-over-year to 3.06%.
- **Noninterest Income**: Q4 fee income of $79M (+8% vs. 2024). Wealth, card, and capital markets fees growing. 2026 noninterest income target: 4-5% growth.
- **Expense Management**: Q4 noninterest expense of $219M (+2% vs. Q3). Efficiency ratio held steady at 55%. 2026 expense growth target: 3%.
- **Capital Strength**: CET1 ratio 10.49%, TCE ratio 8.29%. Tangible book value up $0.65Q/Q to $22.65/share.

**【Credit Update】**
- **Asset Quality**: Q4 net charge-offs 3bps, annual 12bps. Nonaccruals 32bps of loans. ACL ratio 1.35%. CRE paydowns of $88M in Q4.
- **Credit Discipline**: Focus on high-quality borrowers. 2026 credit outlook: stable with macro monitoring.

**【Q&A Highlights】**
- **American National Impact**: Excluding acquisition, 2026 guidance assumes 5-6% loan growth, 5.5-6.5% NII growth. Integration expected to add 2.25x return on investment.
- **Deposit Growth**: 2026 core deposit target: 5-6% growth. Marketing spend in Twin Cities and Omaha up 100%. HSA and private wealth products driving relationship deepening.
- **Capital Allocation**: Buybacks not prioritized; focus on organic growth and RMs hiring. 2026 expense growth of 3% will support strategic initiatives.
- **Risk Management**: Neutral rate sensitivity, $2.45B interest rate swaps hedging. CRE paydowns seen as positive portfolio refresh.

Associated Banc-Corp (ASB) Q4 2025 Earnings Call Transcript

- **Record Financial Performance**: Q3 net interest income ($305M) and ROTCE (14%) set new highs, up 16% and 250bps YoY. CET1 capital +13bps Q/Q to 10.33%.
- **C&I Growth Acceleration**: $1B+ C&I loan growth YoY, with pipeline up 31%. 2026 growth poised to benefit from expiring noncompetes and new RM hires.
- **Profitability Drivers**: 14-15% NII growth target for 2025, supported by asset remixing and 55%+ deposit beta. Efficiency ratio below 55%.
- **Credit Resilience**: Delinquencies flat at $52M, nonaccruals down 34bps. Strong credit culture maintains ACLL stability despite macro uncertainty.

**【Management Opening Remarks】**
- **Revenue Growth and Organic Expansion**: Q3 revenue growth driven by 1% quarterly loan growth (3% YoY), with C&I loans up $300M Q/Q and $1B YoY. Organic checking household growth on track for the strongest year in a decade.
- **Balance Sheet Remixing**: Added $1B in high-quality C&I loans while reducing low-yielding residential mortgages. Core deposits grew $628M Q/Q and $1.2B YoY, enabling wholesale funding reduction.
- **Profitability Milestones**: Record Q3 net interest income ($305M) and ROTCE of 14%, up 250bps YoY. CET1 capital increased 13bps Q/Q to 10.33%.

**【CFO Financial Commentary】**
- **Net Interest Income (NII)**: Q3 NII of $305M, up 16% YoY, with margin stable at 3.04%. 2025 NII growth target 14-15% (assuming 2 Fed rate cuts). Asset sensitivity reduced to 0.5% impact on NII in a 100bps rate cut scenario.
- **Noninterest Income**: $81M in Q3, up 21% Q/Q driven by capital markets and wealth fees. 2025 noninterest income growth expected 5-6%.
- **Expense Management**: Q3 noninterest expense $216M (+$7M Q/Q) due to incentive programs. Efficiency ratio improved to below 55%, with 2025 expense growth target 5-6%.

**【Q&A Highlights】**
- **C&I Growth Momentum**: Pipeline up 31% YoY, with $1B+ C&I growth YoY. Noncompete expirations and new RM hires expected to accelerate 2026 growth. Deposit production up 23% Q/Q in commercial segment.
- **Deposit Cost Dynamics**: Q3 deposit beta 55-58%, with stable pricing despite seasonal high-rate inflows. 2025 core deposit growth forecast 4-5%.
- **Credit Quality**: Delinquencies flat at $52M, nonaccruals down 34bps to 1.34%. Net charge-offs 17bps, consistent with prior quarters. CRE payoff activity expected to continue with falling rates.
- **Strategic Investments**: New wealth product launches and HOA/title verticals expected to drive incremental growth. 2026 focus on relationship-based C&I and low-cost deposits.


Associated Banc-Corp (ASB) Q3 2025 Earnings Call Transcript

- **Record Growth**: Q2 net interest income of $300 million (up 17% YoY) and NIM of 3.04% reflect strong asset remixing and cost control.
- **Capital Strength**: CET1 capital ratio rose to 10.2%, with 19 basis points added year-to-date, supporting 5-6% loan growth guidance.
- **Credit Resilience**: Nonaccrual loans down 16%, net charge-offs stable at 0.17%, and ACL ratio at 1.35% highlight disciplined underwriting.
- **Deposit Confidence**: Core deposits up 4.3% YoY, with 2025 growth targets of 4-5% driven by household growth and commercial pipeline expansion.

**【CEO Summary Section】**
- **Strategic Momentum**: Organic checking household growth reached a 10-year high, driven by a best-in-class value proposition. C&I loans grew by $700 million year-to-date, replacing lower-yielding residential mortgages.
- **Record Financials**: Q2 net interest income hit $300 million, a record high, with net interest margin (NIM) expanding to 3.04%. CET1 capital increased by 9 basis points to 10.2%, with 19 basis points added year-to-date.
- **Credit Discipline**: Nonaccrual loans declined 16%, and net charge-offs remained stable at 0.17%. The company maintained a cautious approach to CRE and C&I portfolios amid macroeconomic uncertainty.

**【CFO Financial Commentary】**
- **NIM Expansion**: Earning asset yields rose 5 basis points, while deposit costs fell 13 basis points (to 2.78%), driving NIM growth. The company expects 14-15% NII growth in 2025, assuming 3 Fed rate cuts.
- **Expense Control**: Noninterest expenses decreased slightly to $209 million, with operating leverage improving due to disciplined cost management. Efficiency ratio dipped to 56%, the lowest since early 2023.
- **Capital Strength**: CET1 capital ratio rose to 10.2%, up 52 basis points year-over-year. The company targets CET1 between 10% and 10.5% for 2025.

**【Q&A Highlights】**
- **Deposit Growth Strategy**: Q2 seasonal outflows were offset by commercial pipeline growth ($500 million year-over-year). The company expects core deposit growth of 4-5% in 2025, driven by household growth and commercial RM hiring.
- **CRE Portfolio Management**: Office CRE portfolio shows stabilization, with proactive client engagement and limited downtown urban exposure. Nonaccrual loans in CRE construction increased due to one-time payoff timing.
- **M&A Outlook**: While open to acquisitions, the company prioritizes organic growth and strategic fit. Focus remains on harvesting profitability from its 2023 strategic plan.
- **Margin Outlook**: Asset-side remixing (higher-yielding C&I loans) is the primary driver of margin expansion, with deposit repricing providing secondary upside.

Associated Banc-Corp (ASB) Q2 2025 Earnings Call Transcript

- **Q1 Strong Performance**: Loans +$526M, deposits +$502M, NIM +16bps to 2.97%, CET1 +10bps to 10.11%.
- **Strategic Growth**: Phase 2 investments driving commercial pipeline, with 3 new RMs in Kansas City and $700M mortgage sale completed.
- **Resilient Credit**: Charge-offs at 0.12%, delinquencies down $33M, 94% consumer loans prime/super-prime.
- **2025 Outlook**: NII growth 12-13%, deposit growth 4-5%, CET1 10-10.5%, with reduced sensitivity to rate cuts.

**【CEO Opening Remarks】**
- **Q1 Financial Highlights**: Total loans grew $526M, core deposits increased $502M, net interest margin expanded 16bps to 2.97%, and CET1 capital rose 10bps to 10.11%.
- **Strategic Momentum**: Phase 2 investments completed, including commercial team expansion (3 RMs in Kansas City), product launches (family banking), and $700M mortgage sale. Commercial pipeline growth driven by middle-market lending and specialty verticals.
- **Macro Resilience**: Unemployment in key Midwestern states below national average (4.2%). Customer activity stable despite tariffs, with no material changes in line utilization or credit quality.

**【CFO Financial Review】**
- **Net Interest Income**: Q1 NII of $286M (+$16M vs. Q4), benefiting from balance sheet repositioning. Full impact of loan sale expected in Q2, adding ~3bps to NIM.
- **Expense Management**: Non-interest expenses at $211M, including one-time $4M OREO write-down. 2025 expense growth guided at 3-4%.
- **Capital Strength**: CET1 ratio at 10.11%, up 10bps Q/Q. Targeting 10-10.5% for 2025. Reduced asset sensitivity to rate cuts, with NII impact of ~$500K per 25bps cut.

**【CCO Credit Update】**
- **Credit Quality**: Net charge-offs at $3M (0.12% ratio), provision of $13M. Delinquencies down $33M Q/Q. Non-accrual loans at $135M, stable FICO scores (787+ for mortgages, 796 for autos).
- **Resilience**: 94% of consumer loans prime/super-prime. Proactive monitoring of trade policy impacts, with no systemic credit shifts identified.

**【Q&A Key Takeaways】**
- **NII Outlook**: Q2 tailwinds from loan growth, deposit repricing, and balance sheet repositioning. 2025 NII growth guided at 12-13%.
- **Deposit Strategy**: Seasonal Q2 outflows expected, but core deposit growth (4-5% 2025) driven by commercial expansion and HSA business.
- **Commercial Growth**: C&I loans up $352M in Q1, targeting $1.2B annual growth. Non-solicitation expiries (4 in Q1, 6 in H2) to unlock market share.
- **Capital Allocation**: Prioritize organic growth over buybacks, with focus on repositioning balance sheet (resi loans down to 23% of portfolio).

Associated Banc-Corp (ASB)-24 Apr 25-2025 Q1 Earnings call transcript

- **2025 Growth Ambition**: 5-6% loan growth, 12-13% NII expansion, 10% CET1 capital buffer.
- **Commercial Surge**: 2025 C&I target $1.2B (vs. 2024 $840M), 21 new RMs onboarding.
- **Profitability Boost**: 2.98%+ NIM with $300M capital repositioning, 12%+ margin expansion.
- **Credit Resilience**: Nonaccruals down 3QoQ, ACLL stable at 1.35%, charge-offs at 0.16%.
- **Funding Strategy**: 4-5% core deposit growth, 1% wholesale funding gap closure.


**【CEO Opening Remarks】**
- Q4 2024 revenue growth driven by 500M+ loan growth (300M+ in C&I) and 900M core deposit expansion.
- 2025 outlook: 5-6% loan growth, 4-5% deposit growth, 12-13% NII expansion.
- Strategic initiatives: 21/26 new commercial RMs hired, $55M credit card balance purchase, $300M capital raise.
- Credit quality stable: nonaccruals down 3QoQ, charge-offs at lowest level in years.

**【CFO Financial Highlights】**
- Q4 NIM 2.81% (+3bps vs. Q3), pro forma 2.98% with full repositioning benefit.
- 2024 net interest income +17M YoY, noninterest expense +3% YoY.
- CET1 ratio 10% (up 28bps vs. Q3), TCE 7.82%.
- 2025 guidance: 12-13% NII growth, 0-1% noninterest income growth, 3-4% expense growth.

**【Credit Officer Update】**
- ACLL $402M (1.35% of loans), stable reserves despite 24M QoQ delinquency increase.
- Nonaccruals down 3QoQ to $123M, net charge-offs $12M (0.16% ratio).
- Commercial credit deep dives identify stress but no systemic issues.

**【Key Q&A Takeaways】**
- Margin trajectory: 2.98%+ with 12-13% NII growth, asset sensitivity reduced to 0.5% impact.
- C&I growth acceleration: 2025 target $1.2B vs. 2024 $840M, driven by 21 new RMs.
- Deposit funding: 4-5% core growth vs. 5-6% loan growth, 1% wholesale funding gap to close.
- Competition: Pricing discipline maintained in Midwestern markets, no material margin compression.


Actual											0.28	0.26	0.24	0.4	0.58	0.56	0.5431	0.49	0.47	0.5733	0.62	0.7133	0.6732	0.56	0.53	0.53	0.5332	0.52	0.56	0.57	0.602	0.6599	0.7399	0.8099
Forecast											0.105	0.167	0.232	0.3049	0.446	0.4964	0.4425	0.4208	0.378	0.4367	0.5867	0.6589	0.6431	0.5872	0.5212	0.5189	0.4862	0.518	0.4975	0.5356	0.5767	0.619	0.677	0.6988	0.6811
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+166.67%	+55.69%	+3.45%	+31.19%	+30.04%	+12.81%	+22.73%	+16.44%	+24.34%	+31.28%	+5.68%	+8.26%	+4.68%	-4.63%	+1.69%	+2.14%	+9.67%	+0.39%	+12.56%	+6.42%	+4.39%	+6.61%	+9.29%	+15.90%	0.00%

Actual	--	--	--	--	--	--	--	--	--	--	301.00M	444.36M	258.00M	272.75M	271.00M	253.00M	266.00M	272.20M	262.21M	291.60M	335.00M	350.65M	336.08M	324.00M	320.82M	122.39M	322.84M	321.75M	330.00M	345.80M	344.72M	366.98M	386.49M	389.37M	--
Forecast	--	--	--	--	--	--	--	--	--	--	294.55M	295.36M	268.77M	272.80M	261.95M	259.66M	263.05M	263.68M	268.52M	280.23M	317.27M	347.47M	346.19M	332.83M	325.26M	258.64M	325.00M	330.69M	332.96M	341.57M	347.84M	362.07M	377.44M	382.10M	384.08M
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+2.19%	+50.45%	-4.01%	-0.02%	+3.46%	-2.56%	+1.12%	+3.23%	-2.35%	+4.06%	+5.59%	+0.91%	-2.92%	-2.65%	-1.36%	-52.68%	-0.66%	-2.70%	-0.89%	+1.24%	-0.90%	+1.36%	+2.40%	+1.90%	0.00%

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