Every material Form 8-K Associated Bank has filed with the SEC since October 24, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Associated Banc-Corp reported net income available to common equity of $144 million, or $0.76 per share, for the quarter ended September 30, 2026, up from $122 million, or $0.73 per share, a year earlier. Excluding nonrecurring items tied to its American National Corporation acquisition, adjusted earnings were $154 million, or $0.81 per share. The company also repurchased $100 million of its common stock during the quarter.
Net interest income rose 24% year over year to $377 million, and net interest margin was 3.20%.
Period end total loans reached $36.5 billion, up 18% from a year earlier, and period end total deposits reached $40.4 billion, up 16%.
Nonaccrual loans rose $33 million from the prior quarter to $183 million, and the nonaccrual loans to total loans ratio was 0.50%.
The company updated 2026 expectations, including noninterest income growth of 12% to 14% and an annual effective tax rate of 20% to 22%.
Associated Banc-Corp said its General Counsel and Corporate Secretary, Randall J. Erickson, will retire from that role effective October 13, 2026. He will then serve as Attorney-Advisor through January 4, 2027, under a letter agreement that keeps his base salary, retirement benefits and incentive awards in place, which is a routine executive transition.
Randall J. Erickson retires as Executive Vice President, General Counsel and Corporate Secretary effective October 13, 2026
He will serve as Attorney-Advisor, reporting to the CEO, through the Retirement Date of January 4, 2027
He keeps his current base salary and receives the full 2026 short-term incentive amount per applicable metrics
Unvested awards under the 2025-2027 and 2026-2028 LTIPP continue to vest under the 2025 Equity Incentive Plan
Associated Banc-Corp said its general counsel and corporate secretary, Randall J. Erickson, will retire effective October 13, 2026, after more than 14 years in the role. Angela M.W. Kelley, 45, will succeed him in the position on the same date, reporting directly to CEO Andy Harmening. The filing describes a planned succession with a transition period through the end of 2026.
Randall J. Erickson, 67, retires as executive vice president, general counsel and corporate secretary effective October 13, 2026, and stays in an advisory role through the end of 2026.
Angela M.W. Kelley, 45, becomes executive vice president, general counsel and corporate secretary on October 13, 2026, based in Milwaukee.
Kelley previously was CEO of Diversity Lab/Talent Multipliers since 2025 and general counsel at PacWest Bancorp (2021 to 2023) and NBT Bancorp (2019 to 2021).
Associated Banc-Corp reported second quarter 2026 net income available to common equity of $121 million, or $0.63 per share, up from $108 million a year earlier but with per-share earnings down from $0.65. Excluding nonrecurring items tied to the American National Corporation acquisition, adjusted earnings were $140 million, or $0.73 per share. Net interest income rose 23% from a year earlier to $370 million, while the company said it continues to expect most of its 2026 growth targets.
Q2 2026 net income available to common equity was $121 million, or $0.63 per share, versus $117 million, or $0.70 per share, in Q1 2026 and $108 million, or $0.65 per share, in Q2 2025.
Adjusted earnings excluding nonrecurring items were $140 million, or $0.73 per share; nonrecurring noninterest expense included $24 million tied to the American National Corporation acquisition, which closed April 1, 2026.
Period-end loans reached $36.5 billion, up 19% from a year earlier, and period-end deposits reached $39.9 billion, up 17%.
The company now expects 2026 period-end loan growth of 18% to 20% and noninterest expense growth of 20% to 21%, compared with 2025 standalone results.
Associated Banc-Corp completed its acquisition of American National Corporation on April 1, 2026, with American National merging into Associated and its bank merging into Associated Bank, National Association. The former American National executive Wende Kotouc was appointed to Associated's board, which increased from 13 to 14 members, and the company issued shares to former American National shareholders as merger consideration.
Former American National voting shareholders received an aggregate 22,478,042 Associated common shares, per Item 3.02; Item 8.01 cites 22,975,382 shares to all American National voting and non-voting holders.
Wende Kotouc, 63, was appointed to fill the board seat created by the expansion from 13 to 14 directors.
John F. Kotouc will serve as a consultant for two years at an annual retainer of $400,000.
American National systems, branches and customers are expected to convert to Associated in the third quarter of 2026.
Associated Banc-Corp reported fourth-quarter 2025 earnings available to common equity of $134 million, or $0.80 per diluted share, compared with a loss in the same quarter of 2024 that the filing ties to a balance sheet repositioning. Full-year 2025 earnings were $463 million, or $2.77 per diluted share, and the company issued 2026 outlook figures for loans, deposits, net interest income, noninterest income, expense, and taxes, all excluding its pending acquisition of American National Corporation.
Q4 2025 earnings were $134 million, or $0.80 per diluted share, versus a loss of $164 million ($1.03 per share) in Q4 2024 and earnings of $122 million ($0.73 per share) in Q3 2025.
Full-year 2025 earnings were $463 million, or $2.77 per diluted share, compared with $112 million ($0.72 per share) in 2024.
For 2026, the company expects period-end loan growth of 5% to 6%, net interest income growth of 5.5% to 6.5%, and noninterest expense growth of 3%.
The CET1 capital ratio was 10.49% at December 31, 2025.
On November 30, 2025, Associated Banc-Corp entered into a merger agreement under which American National Corporation will merge into Associated, with American National shareholders receiving 36.250 Associated shares for each of their shares. The deal requires regulatory approvals from the Federal Reserve and the Office of the Comptroller of the Currency, and shareholders would own a share of the combined company's stock rather than cash.
Exchange ratio: each American National share converts into 36.250 Associated common shares, with cash paid for fractional shares
Merger has not been consummated by November 30, 2026 gives either party a termination right, unless the date is amended
Wende Kotouc, Executive Co-Chairman and CEO of American National Bank, is to join Associated's board at closing
Transfer restrictions bar sales in the first 60 days after closing and limit public sales to 150,000 shares per day through the first anniversary
Associated Banc-Corp reported net income available to common equity of $122 million, or $0.73 per diluted share, for the quarter ended September 30, 2025, up from $108 million, or $0.65 per share, in the prior quarter and $85 million, or $0.56 per share, a year earlier. The company also reported record net interest income of $305 million and reiterated or updated its 2025 outlook for loan, deposit, income, expense and tax-rate measures.
Q3 2025 net income available to common equity was $122 million, or $0.73 per share, versus $108 million, or $0.65, in Q2 2025 and $85 million, or $0.56, in Q3 2024.
Net interest income was a record $305 million, up 2% from Q2 2025 and 16% from Q3 2024; net interest margin was 3.04%.
Period-end total loans were $31.0 billion and period-end deposits were $34.9 billion, up 1% and 2% from Q2 2025.
Noninterest expense was $216 million and the CET1 capital ratio was 10.33% at September 30, 2025.
Associated Banc-Corp reported net income available to common equity of $108 million, or $0.65 per diluted share, for the quarter ended June 30, 2025. Net interest income reached a record $300 million, up 17% from a year earlier, but earnings per share fell from $0.74 in the same quarter of 2024, and the company updated several full-year 2025 outlook figures.
Diluted EPS was $0.65, up from $0.59 in the first quarter of 2025 and down from $0.74 in the second quarter of 2024.
Record net interest income of $300 million, up 5% from the first quarter and 17% from the second quarter of 2024; net interest margin was 3.04%.
Noninterest expense was $209 million; the company now expects 2025 total net interest income growth of 14% to 15%, and total deposit growth of 1% to 3%.
Period-end loans were $30.6 billion and period-end deposits were $34.1 billion; CET1 capital ratio was 10.20% at June 30, 2025.
Associated Banc-Corp said Executive Vice President David Stein will step down as head of consumer and business banking effective July 1, 2025, moving to strategic advisor and Madison market president until he retires on December 31, 2025. Steven Zandpour will take over as head of consumer and business banking on July 1, 2025, a leadership transition that shareholders may track as the bank develops its next strategic plan.
David Stein retires as head of consumer and business banking effective July 1, 2025, and fully retires December 31, 2025
Stein receives a base salary of $25,000 per month during the transition, plus a performance-based award of $25,000 payable after retirement
Steven Zandpour, who joined in January 2024, will become head of consumer and business banking effective July 1, 2025
At its April 29, 2025 annual meeting, Associated Banc-Corp shareholders elected all 13 director nominees, approved the 2025 Equity Incentive Plan, approved named executive officer compensation on an advisory basis, and ratified KPMG LLP as auditor for 2025. The same day, the board declared a regular quarterly common dividend of $0.23 per share, payable June 16, 2025.
Equity Incentive Plan approved with 129,327,463 votes for and 4,551,833 against
Advisory vote on named executive officer compensation approved with 130,461,726 votes for and 3,355,462 against
Quarterly common dividend of $0.23 per share payable June 16, 2025, to holders of record on June 2, 2025
Shareholders ratified KPMG LLP as independent registered public accounting firm for the year ending December 31, 2025
Associated Banc-Corp reported first-quarter 2025 net income available to common equity of $99 million, or $0.59 per diluted share, after a loss of $1.03 per share in the fourth quarter of 2024 that reflected nonrecurring items from its December 2024 balance sheet repositioning. The company said it continues to expect 2025 loan growth, net interest income growth, noninterest expense growth and an effective tax rate within its stated ranges, so the outlook was not changed in this release.
Net income available to common equity was $99 million, or $0.59 per diluted share, versus a loss of $164 million ($1.03 per share) in the prior quarter and $78 million ($0.52 per share) a year earlier.
Net interest income rose to $286 million, up $16 million from the prior quarter and $28 million from a year earlier; net interest margin was 2.97%.
Noninterest income was $59 million, compared with a loss of $207 million in the prior quarter, which included a $148 million investment securities loss and a $130 million mortgage portfolio sale loss.
The company kept its 2025 outlook: period-end loan growth of 5% to 6%, net interest income growth of 12% to 13%, and noninterest expense growth of 3% to 4%.
Associated Banc-Corp reported a fourth-quarter 2024 net loss available to common equity of $164 million, or $1.03 per diluted share, compared with earnings of $85 million in the prior quarter. Full-year 2024 earnings were $112 million, or $0.72 per share, down from $171 million, or $1.13 per share, in 2023, as nonrecurring losses tied to a balance sheet repositioning weighed on results; excluding those items, adjusted full-year earnings were $367 million, or $2.38 per share.
Q4 2024 loss included a $130 million loss on a mortgage portfolio sale, a $148 million net loss on a sale of investments, and a $14 million loss on prepayments of FHLB advances
Adjusted Q4 2024 earnings were $91 million, or $0.57 per common share (non-GAAP)
2025 outlook: total net interest income growth of 12% to 13%, period end total loan growth of 5% to 6%, and noninterest expense growth of 3% to 4% (adjusted for the $14 million FHLB prepayment loss)
Period end deposits were $34.6 billion at December 31, 2024, up $1.2 billion from a year earlier; CET1 capital ratio was 10.00%
On December 11, 2024, Associated Banc-Corp's board increased its size from 11 to 13 directors and appointed Kristen Ludgate and Owen J. Sullivan to fill the new seats. The filing describes a board governance change with no reported financial results, compensation terms beyond standard non-employee director pay, or transactions with the company.
Board expanded from 11 to 13 directors on December 11, 2024; Ludgate and Sullivan filled the resulting vacancies.
Kristen Ludgate, 62, joins the Compensation and Benefits Committee; she is Chief People Officer at HP Inc.
Owen J. Sullivan, 67, joins the Enterprise Risk Committee; he retired in 2023 as President and COO of NCR.
Associated Banc-Corp completed an underwritten public offering of 13,800,000 shares of common stock at $25.00 per share on November 18, 2024, with BofA Securities and J.P. Morgan Securities as underwriters. The underwriters also exercised in full their option to buy 1,800,000 additional shares on November 15, 2024. The company expects net proceeds of approximately $330.7 million after underwriting discounts and offering expenses, and the issuance increases the number of shares outstanding.
13,800,000 shares sold at $25.00 per share to the underwriters, with the offering completed on November 18, 2024
Underwriters exercised in full their option for 1,800,000 additional shares on November 15, 2024
Expected net proceeds of approximately $330.7 million after underwriting discounts and estimated offering expenses
Shares were sold under Form S-3 registration statement File No. 333-280004 and prospectus supplements dated November 14, 2024
Associated Banc-Corp reported third-quarter 2024 net income available to common equity of $85 million, or $0.56 per diluted share, down from $113 million and $0.74 in the second quarter but up from $80 million and $0.53 a year earlier. The second-quarter figure included a one-time $33 million tax benefit, and the company now expects 2024 net interest income growth of 0% to 1%, with period-end loan growth at the lower end of its 4% to 6% range.
Net income available to common equity of $85 million and diluted EPS of $0.56, versus $113 million and $0.74 in Q2 2024 and $80 million and $0.53 in Q3 2023
Q2 2024 included a one-time $33 million tax benefit; Q3 2024 tax expense was $20 million
Net interest income of $263 million, up $6 million from Q2 2024; net interest margin of 2.78%
Expects 2024 total net interest income growth of 0% to 1% and period-end loan growth at the lower end of 4% to 6%
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