The earnings call reflected strong performance in terms of net interest income, loan growth, and credit quality improvements. Despite some challenges with seasonal deposit outflows and increased net charge-offs, the company's strategic initiatives appear to be yielding positive results. The overall sentiment is positive due to the record-setting financial metrics and continued momentum in strategic goals.

Company Guidance -

Q3 2025

During the second quarter of 2025, Associated Banc-Corp achieved significant financial milestones and provided robust guidance for the future. The company reported earnings of $0.65 per share, with total loans growing by 1% quarter-over-quarter and 3% year-over-year. Notably, the company experienced over $700 million in commercial and industrial (C&I) loan growth in the first half of the year, on track to exceed the $1.2 billion target for 2025. Quarterly net interest income reached a record $300 million, up 17% from the previous year, driven by a 3.04% net interest margin. Despite seasonal outflows affecting Q2 deposits, core customer deposits increased by 4.3% year-over-year. The company also demonstrated strong capital management, adding 9 basis points to its Common Equity Tier 1 (CET1) capital in Q2, totaling a 19 basis point increase for the year. Additionally, Associated Banc-Corp maintained a disciplined credit strategy, reducing nonaccrual loans by 16% and posting a return on tangible common equity of 12.96%, a 62 basis point improvement from Q1. Looking forward, the company expects continued loan growth, particularly in the commercial sector, and anticipates core deposit growth of 4% to 5% in 2025.

Record Quarterly Net Interest Income

The company recorded a quarterly net interest income of $300 million, the strongest in its history, marking a 17% increase compared to the same period last year.

Organic Checking Household Growth

The company achieved the best organic checking household growth since tracking began nearly a decade ago.

Commercial Loan Growth

Commercial and Industrial (C&I) loans increased by $356 million in Q2, contributing to a total growth of over $700 million year-to-date.

Improvement in Credit Quality

Nonaccrual loans decreased by 16% in Q2, and the noninterest income increased by 3% compared to Q2 of last year.

Capital Ratio Improvements

CET1 capital increased by 9 basis points in Q2, and return on tangible common equity reached 12.96%, a 62 basis point improvement from Q1.

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	$25.27	$25.60	+1.31%
Apr 24, 2025	$21.80	$22.11	+1.42%
Jan 23, 2025	$24.85	$24.64	-0.85%
Oct 24, 2024	$22.06	$22.28	+1.00%

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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