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Jun 30, 2025
Associated Bank Q2 2025 Earnings Report
Associated Bank reported solid Q2 2025 earnings with record net interest income and stable credit quality.
Key Takeaways
Associated Banc-Corp achieved record quarterly net interest income of $300 million, with EPS of $0.65 and a net interest margin of 3.04%. Loan growth and strong capital position supported profitability, though deposits declined slightly sequentially.
Record net interest income of $300M, up 17% YoY
EPS of $0.65, with net income available to common equity of $108M
Net interest margin expanded to 3.04%
Tangible book value per share rose to $20.84
Forward Guidance
Associated expects loan growth of 5-6% and deposit growth of 1-3% in 2025, with stable credit quality and continued capital strength.
Positive Outlook
- Expect 5-6% period-end loan growth for 2025
- Net interest income projected to grow 14-15% in 2025
- Core customer deposit growth expected at 4-5%
- CET1 capital ratio increased to 10.20%
- Record net interest income and margin expansion provide earnings momentum
Challenges Ahead
- Deposits declined 3% sequentially in Q2 2025
- Higher credit loss provisions due to portfolio growth
- Noninterest expense expected to grow 4-5% in 2025
- Potential macroeconomic headwinds affecting loan demand
- Slight decline in consumer lending segment
Historical Earnings Impact
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Avg. Return Before/After Earnings
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