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Mar 31, 2025
Associated Bank Q1 2025 Earnings Report
Associated Banc-Corp reported net income of $99 million and diluted EPS of $0.59 for Q1 2025.
Key Takeaways
Associated Banc-Corp began 2025 with strong financial performance, highlighted by rising net interest margin, loan and deposit growth, and a return to profitability after a loss in Q4 2024.
Reported net income of $99 million after a $164 million loss in Q4 2024.
EPS of $0.59 and adjusted EPS of $0.60.
Net interest income increased to $286 million with a 2.97% net interest margin.
Loan and deposit balances both grew by over $500 million during the quarter.
Forward Guidance
Associated Banc-Corp expects continued moderate growth in loans and deposits, stable noninterest income, and disciplined expense control in 2025.
Positive Outlook
- Loan growth expected to continue at 5–6% for full-year 2025.
- Deposit growth forecasted at 1–2% with stronger growth in core customer deposits.
- Net interest income projected to increase 12–13% in 2025.
- Stable noninterest income expected after adjusting for nonrecurring items.
- Total noninterest expense projected to grow modestly by 3–4%.
Challenges Ahead
- Continued macroeconomic uncertainty impacting credit environment.
- Pressure on noninterest income due to recent mortgage portfolio sale losses.
- Potential volatility in investment income after balance sheet repositioning.
- Slight deterioration in nonaccrual loan ratio to 0.44%.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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