Every material Form 8-K Associated Bank filed with the SEC in 2025, 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.
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%
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Associated Bank filing is on SEC EDGAR ↗. 8-K briefs of other companies →