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Associated Bank, National Association
Green Bay, WI·FDIC Cert #5296·Charter: OCC·Est. 18740101.0·HC: ASSOCIATED BANC-CORP
Total Assets
$45.1B
Q4 2025
Return on Assets
1.10%
+0.05%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.64%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.10%+0.05
ROE
10.44%+0.43
Efficiency
56.64%-0.31
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.59%-1.11
Charge-offs
0.12%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 1.0 | 1.0 | 0.3 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 8.0 | 9.9 | 9.5 | 3.1 | 9.3 | 9.6 | 10.0 | 10.4 |
| Efficiency | 61.1 | 60.5 | 60.1 | 68.0 | 59.7 | 57.8 | 57.0 | 56.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.5 | 0.5 | 0.4 | 0.5 | 0.4 | 0.4 | 0.3 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.2 | 0.1 |
| Loan/Deposit | 86.5 | 89.6 | 87.8 | 86.2 | 85.1 | 88.7 | 87.7 | 86.6 |
Balance Sheet
Total Assets$45.1B
Total Deposits$35.6B
Total Loans$30.9B
Total Equity$4.8B
Profitability
ROA1.10%
ROE10.44%
Efficiency Ratio56.64%
Net Income$483.1M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.12%
Loan/Deposit86.59%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans