Daniel Tamayo

Jared Shaw

Jon Arfstrom

Scott Siefers

Terence McEvoy

Christopher McGratty

Timur Braziler

Casey Haire

Christopher O'Connell

Robert Siefers

R. Scott Siefers

Terry McEvoy

- Associated Banc-Corp reported **Q3 2025 earnings of $0.73 per share** and a **record net interest income of $305 million**, marking a 16% increase compared to Q3 2024.  **[0000007789_2200834_1]** 
- The company achieved **1% total loan growth** quarter-over-quarter, driven by a nearly **$300 million increase in C&I loans** in Q3, contributing to nearly **$1 billion in C&I loan growth year-to-date**.  **[0000007789_2200834_1]** **[0000007789_2200834_2]** 
- **Core customer deposits increased by $628 million** from Q2, enabling a reduction in wholesale funding, and were up over **$1.2 billion** year-over-year.  **[0000007789_2200834_1]** **[0000007789_2200834_3]** 
- Capital ratios strengthened, with the **CET1 ratio rising to 10.33%** and the **TCE ratio to 8.18%** in Q3 2025.  **[0000007789_2200834_5]** 
- Management expects **net interest income growth of 14% to 15%** and **total non-interest income growth of 5% to 6%** for 2025, while also forecasting **total bank loan growth of 5% to 6%** for the year.  **[0000007789_2200834_2]** **[0000007789_2200834_4]**

Associated Banc-Corp Reports Record Q3 2025 Net Interest Income and Strong Loan Growth

- Associated Banc-Corp reported **Q3 2025 earnings of $0.73 per share**.  **[0000007789_2200859_1]** 
- The company achieved a **record net interest income of $305 million** in Q3 2025, marking a 16% increase from Q3 2024, and non-interest income grew **21% to $81 million**.  **[0000007789_2200859_1]** **[0000007789_2200859_2]** 
- Total loans increased **1%** quarter-over-quarter, with C&I loans growing by nearly **$300 million** in Q3 2025 and **$1 billion** year-to-date.  **[0000007789_2200859_1]** **[0000007789_2200859_2]**  Core customer deposits were up **2%** from Q2 2025, totaling **$628 million**.  **[0000007789_2200859_1]** **[0000007789_2200859_3]** 
- Capital ratios improved, with the CET1 ratio increasing to **10.33%** and the TCE ratio to **8.18%** in Q3 2025.  **[0000007789_2200859_5]**  Credit quality remained strong with non-accruals at **34 basis points** and net charge-offs at **17 basis points**.  **[0000007789_2200859_2]** 
- The company expects 2025 net interest income growth of **14%-15%**, non-interest income growth of **5%-6%**, and total non-interest expense growth of **5%-6%**.  **[0000007789_2200859_4]** **[0000007789_2200859_5]**

ASSOCIATED BANC-CORP (ASB)