ASB ASSOCIATED BANC-CORP
FY2025 10-K
ASSOCIATED BANC-CORP (ASB) filed its fiscal year 2025 10-K annual report with the SEC on Feb 12, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Regional commercial bank providing lending, deposit, fiduciary, and risk management services to businesses, consumers, and municipalities
- • Segment reorganization: Private wealth moved from Corporate and Commercial Specialty to Community, Consumer, and Business segment starting Q4 2024
Management Discussion & Analysis
- • Revenue $1.49B total (net interest $1.2B + noninterest $286.4M), net interest income up 15% YoY (+$153.9M), noninterest income up $295.8M from -$9.4M in 2024
- • Operating margin improved: efficiency ratio 56.29% vs 67.64% in 2024; net interest margin 3.03% vs 2.78% in 2024
Risk Factors
- • Legal risk from increased regulatory scrutiny on CRE lending by federal banking agencies, given $8.4B CRE loans at 27% of total portfolio
- • Geopolitical risk from U.S. trade tariffs imposed since 2025 against Canada, Mexico, China negatively affecting customers' margins and debt servicing
Financial SummaryXBRL
Revenue
$2.2B
Net Income
$475M
Net Margin
21.9%
ROE
9.5%
Total Assets
$45.2B
EPS (Diluted)
$2.77
Operating Cash Flow
$616M
Source: XBRL data from ASSOCIATED BANC-CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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