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Dec 31, 2025
Associated Bank Q4 2025 Earnings Report
Associated Banc-Corp reported a strong Q4 2025 performance with increased earnings and solid credit quality.
Key Takeaways
Associated Banc-Corp posted a net income of $134M in Q4 2025, reversing last year’s Q4 loss. Higher interest income and strong noninterest income supported the quarterly gains.
Record annual net income available to common equity of $463 million, or $2.77 per common share for the year ended December 31, 2025.
Fourth quarter 2025 net income available to common equity of $134 million, or $0.80 per common share, compared to a loss of $164 million in Q4 2024.
Total period end loans increased 5% from 2024 to $31.2 billion.
Total period end deposits increased 3% from 2024 to $35.6 billion.
Revenue by Segment
Forward Guidance
Associated Banc-Corp expects modest growth in loans, deposits, and income in 2026, excluding impacts from the upcoming acquisition.
Positive Outlook
- Net interest income expected to grow 5.5% to 6.5%
- Total period-end loan growth expected between 5% and 6%
- Core customer deposits expected to grow 5% to 6%
- Noninterest income forecasted to grow 4% to 5%
- Noninterest expense expected to grow only 3%
Challenges Ahead
- Provision for credit losses expected to adjust with economic conditions
- Net yield on earning assets may face pressure
- Acquisition of American National could impact forecasts
- Higher capital requirements could limit capital return flexibility
Historical Earnings Impact
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Avg. Return Before/After Earnings
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