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Sep 30, 2025
Associated Bank Q3 2025 Earnings Report
Associated Banc-Corp reported strong third quarter 2025 results with increased net income, record net interest income, and significant loan and deposit growth.
Key Takeaways
Associated Banc-Corp delivered a strong third quarter in 2025, reporting net income available to common equity of $122 million, or $0.73 per common share. The company achieved record net interest income of $305 million, alongside robust growth in both loans and deposits, reflecting positive outcomes from strategic investments.
Diluted earnings per common share reached $0.73, a 30% increase compared to the same period last year.
Net interest income hit a record $305 million, up 16% from the third quarter of 2024.
Total period-end loans grew to $31.0 billion, a 3% increase year-over-year, driven by strong commercial and business lending.
Total period-end deposits increased to $34.9 billion, up 4% from the prior year, with core customer deposits also showing significant growth.
Revenue by Segment
Forward Guidance
Associated Banc-Corp anticipates continued growth in 2025, with expectations for period-end loan growth of 5% to 6%, total deposit growth of 1% to 3%, and core customer deposit growth of 4% to 5%. Net interest income is projected to increase by 14% to 15%, and noninterest income by 5% to 6%. Total noninterest expense is expected to grow by 5% to 6%, with an annual effective tax rate between 18% and 19%.
Positive Outlook
- Expects 2025 period-end loan growth of 5% to 6% compared to year-end 2024.
- Anticipates 2025 period-end total deposit growth of 1% to 3% compared to year-end 2024.
- Projects 2025 period-end core customer deposit growth of 4% to 5% compared to year-end 2024.
- Forecasts total net interest income growth of 14% to 15% in 2025.
- Expects total noninterest income growth of between 5% and 6% in 2025 (adjusted).
Challenges Ahead
- Total noninterest expense is expected to grow by 5% to 6% in 2025 (adjusted).
- Provision for credit losses will be adjusted to reflect changes to risk grades, economic conditions, and loan volumes.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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