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Associated Banc-Corp (ASB) investor relations material
Associated Banc-Corp Barclays 23rd Annual Global Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Barclays 23rd Annual Global Financial Services Conference summary9 Sep, 2025
Strategic initiatives and growth
Completed phase one and halfway through phase two of a multi-year strategic plan, focusing on leadership hires, product development, and digital enhancements.
Achieved $700 million in loan growth in the first half of the year, on track for $1.2 billion.
Shifted loan mix from non-customer residential real estate to commercial banking, driving margin and ROTC improvements.
Household growth improved from -2% to +2% annualized, with record-high customer satisfaction.
Net interest margin increased by 29 basis points year-over-year, surpassing 3%.
Commercial and deposit growth
Commercial loan pipelines are up 36% year-over-year, with deposit pipelines up 100%.
New relationship managers are expected to drive further commercial growth as non-solicitation agreements expire.
Organic deposit growth is supported by household growth and segmentation strategies, with a focus on private wealth and HSA business.
Commercial deposit verticals, such as HOA title business, will contribute in late 2024.
Loan growth is funded by lower-cost deposits, with flexibility to use wholesale funding if needed.
Geographic and market expansion
Core growth markets include Milwaukee, Chicago, and Minneapolis, with expansion into Kansas City and potential future moves westward.
Northeast Wisconsin is growing at twice the market rate.
Market share gains are prioritized in low-growth home markets, with a playbook for major metropolitan areas.
Recent strategic hires from major competitors have strengthened market presence.
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Next Associated Banc-Corp earnings date
Q3 202523 Oct, 2025
Next Associated Banc-Corp earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses through its subsidiary bank, Associated Bank, Wisconsin's third largest community bank. The company offers an array of loan products, such as mortgage loans, home equity loans, lines of credit, construction loans, commercial real estate loans, consumer/revolving credit loans and automobile loans to individuals. It also provides checking accounts; savings accounts; certificates of deposit; ATM services; letters of credit; money market accounts; trust services; income tax preparation services; mobile banking services; internet banking services; electronic bill payment services; safe-deposit box services; and business banking solutions. Associated Banc-Corp is based in Green Bay, Wisconsin.
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