The earnings call reflected strong financial performance, with record net interest income and robust commercial loan growth. Despite seasonal deposit outflows and slight increases in delinquencies, the company remains confident in achieving its growth targets for the year. The strategic plan execution appears to be yielding positive results, contributing to a positive outlook.

Company Guidance

During the Associated Banc-Corp's Second Quarter 2025 Earnings Conference Call, the company highlighted several key financial metrics and strategic initiatives. The bank achieved record net interest income of $300 million, a 17% increase from the previous year, driven by strong growth in commercial and industrial (C&I) loans, which increased by over $700 million in the first half of 2025. This growth is part of a larger strategy to replace lower-yielding residential mortgage loans. The bank's net interest margin rose above 3%, marking a notable improvement. Additionally, Associated Banc-Corp reported earnings of $0.65 per share and a return on tangible common equity of 12.96%, up 62 basis points from the previous quarter. The company's core customer deposits grew by 4.3% year-over-year, despite a seasonal decline in the second quarter. The CET1 capital ratio increased by 9 basis points to 10.2%, reflecting a robust capital position. Overall, Associated Banc-Corp remains focused on executing its strategic plan, aiming for continued profitability and balance sheet growth while maintaining disciplined credit management.

Record Organic Checking Household Growth

In Q2, Associated Banc-Corp posted the best organic checking household growth since tracking began nearly a decade ago.

Strong Commercial Loan Growth

C&I loans grew by over $700 million in the first half of 2025, well on the way to exceeding the $1.2 billion target for the year.

Record Net Interest Income

Quarterly net interest income reached $300 million, the strongest in the company's history, up 17% year-over-year.

Improved Return on Tangible Common Equity

Posted a return on tangible common equity of 12.96% in Q2, a 62 basis point improvement from Q1.

Deposit Growth Expectations

Core customer deposits were up 4.3% compared to the same period a year ago, with a full-year growth outlook of 4% to 5%.

Positive Operating Leverage

Total noninterest expense decreased slightly to $209 million, and the efficiency ratio dipped below 56%, the lowest since early 2023.

Associated Banc-Corp (ASB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

ASB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.68 / -	0.56	―	―	―
Jul 24, 2025	2025 (Q2)	0.62 / 0.66	0.52	26.92% (+0.14)
Apr 24, 2025	2025 (Q1)	0.58 / 0.60	0.533	12.95% (+0.07)
Jan 23, 2025	2024 (Q4)	0.54 / 0.57	0.53	7.55% (+0.04)
Oct 24, 2024	2024 (Q3)	0.50 / 0.56	0.53	5.66% (+0.03)
Jul 25, 2024	2024 (Q2)	0.52 / 0.52	0.56	-7.14% (-0.04)
Apr 25, 2024	2024 (Q1)	0.49 / 0.53	0.673	-20.80% (-0.14)
Jan 25, 2024	2023 (Q4)	0.52 / 0.53	0.713	-25.67% (-0.18)
Oct 19, 2023	2023 (Q3)	0.52 / 0.53	0.62	-14.52% (-0.09)
Jul 20, 2023	2023 (Q2)	0.59 / 0.56	0.573	-2.27% (-0.01)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ASB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$25.05	$25.38	+1.32%
Apr 24, 2025	$21.62	$21.92	+1.39%
Jan 23, 2025	$24.63	$24.43	-0.81%
Oct 24, 2024	$21.87	$22.09	+1.01%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Associated Banc-corp (ASB) report earnings?

Associated Banc-corp (ASB) is schdueled to report earning on Oct 16, 2025, After Close (Confirmed).

What is Associated Banc-corp (ASB) earnings time?

Associated Banc-corp (ASB) earnings time is at Oct 16, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ASB EPS forecast?

ASB EPS forecast for the fiscal quarter 2025 (Q3) is 0.68.

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