ASB
Associated Banc-Corp
Price as of Jul 20, 2026
ASB earnings
Associated Banc-Corp earnings
Reported EPS and revenue history, upcoming estimates and available earnings-call summaries.
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.69 | $0.70 | +1.4% | $383M | -0.4% |
| Jan 22, 2026 | $0.69 | $0.80 | +15.9% | $389M | +1.3% |
| Oct 23, 2025 | $0.68 | $0.73 | +7.8% | $385M | +2.0% |
| Jul 24, 2025 | $0.62 | $0.65 | +4.8% | $349M | -5.8% |
| Apr 24, 2025 | $0.58 | $0.59 | +2.3% | $342M | -1.6% |
| Jan 23, 2025 | $0.53 | $0.57 | +7.5% | $320M | -9.0% |
| Oct 24, 2024 | $0.50 | $0.56 | +12.0% | $327M | -1.8% |
| Jul 25, 2024 | $0.52 | $0.52 | +0.0% | $320M | -3.3% |
| Apr 25, 2024 | $0.49 | $0.52 | +6.1% | $321M | -1.3% |
| Jan 25, 2024 | $0.52 | $0.53 | +1.9% | $394M | +43.1% |
| Oct 19, 2023 | $0.52 | $0.53 | +1.9% | $319M | -1.6% |
| Jul 20, 2023 | $0.59 | $0.56 | -5.1% | $322M | -3.3% |
Earnings call summary
Q1 FY2026 · April 23, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
• Entered 2026 with strong momentum, first quarter checking household growth 2.2%, over $500 million NC&I loan growth. • Made progress on growth strategy in major metro markets, hired, increased marketing spend, launched offices. • Announced acquisition of American National Bank, expect to complete conversion late Q3, integration underway. • Strong growth momentum in early 2026, household growth, C&I loan growth, investments in digital, product set, marketing. • Hired for private banking, commercial teams, launched franchise banking vertical. • Integration of American National Bank on track, announced business segment leader and market president.
Guidance
• Expect 2026 period end loan growth 17% - 19% vs associated standalone 2025. • Expect 2026 period end total deposit growth 17% - 19% and period end customer deposit growth 19% - 21% vs associated standalone 2025. • Expect income growth 8% - 10% in 2026 vs associated standalone 2025. • Update non-interest expense outlook following finalization of purchase account adjustments from American National acquisition.
Segment performance
In Q1, total loans grew by over $600 million or 2% vs prior quarter, driven by commercial with C&I balances up $540 million. Total deposits grew by $179 million, core customer deposits up over $800 million vs Q4. Q1 net interest income was $307 million, dipped slightly from Q4 but up 7% vs Q1 2025. Total non-interest income $76 million, decreased from Q4 but up vs same period last year. Total non-interest expense $219 million, decreased slightly from prior quarter. Credit asset quality trends strong, total criticized loans decreased, provision $11 million, annualized charge-offs 7 basis points.
Analyst Q&A
Q: How to think about 2Q margin relative to A&B acquisition?
A: No major surprises, initially forecasted 5 - 10 basis points potential impact once marks done in 2Q.
Q: How competitive is hiring in new growth markets?
A: Able to get quality folks, word of mouth helps, talent available.
Q: Loan yields trend going forward?
A: Most growth from CNI and CRE, higher yields, auto yields may moderate.
Q: Capital front and share buyback appetite?
A: A&B closed, working through marks, bullish on outlook, expect to use share buyback authorization.
Q: C&I growth seasonality?
A: Mortgage warehouse has seasonality, rest of C&I growth strong, pipeline up.
Q: Checking household growth source?
A: Primarily legacy markets, marketing in new markets to start later.
Q: Expenses and revenue opportunities?
A: Expenses almost flat, NII and non-interest income forecasts creeping up.
Q: Balance sheet impact of American National deal?
A: Loans and deposits came in as expected during due diligence, waiting on mark process for full impact.
Q: Commercial growth pipeline and legacy client utilization?
A: Pipeline broad and deep, new hires bridging productivity gap.
Q: Customer CD increase strategy?
A: Raised rates to fund strong CNI loan growth pipeline, CDs are short term.
Q: Guidance changes with American National?
A: Net interest income guidance would be higher due to asset sensitivity and no two rate cuts
Earnings history is derived from company filings and calendar data. Call summaries are grouped by reporting period. Latest covered event: 2026-07-23.