# ASSOCIATED BANK NA
GREEN BAY, WI · FDIC certificate 5296 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $51.76B | |
| Deposits | $40.12B | |
| Loans and leases | $36.58B | |
| Total equity | $5.36B | |
| Loans / deposits | 90.07% (p69 of band) | 85.78% |
| Liquid assets / assets | 22.65% (p50 of band) | |
| Uninsured deposits / deposits | 48.97% (p80 of band) | 38.39% |
| Brokered deposits | 9.57% | |
| Wholesale funding | 20.19% (p88 of band) | |
| FHLB advances / assets | 8.84% | |
| Tier 1 leverage | 8.40% (p15 of band) | 10.17% |
| Unrealized securities loss / equity | -8.95% (p43 of band) | -7.43% |
| AOCI / equity | -1.34% (p9 of band) | |
| ROA (annualized) | 1.05% (p33 of band) | 1.24% |
| Net interest margin | 3.12% (p27 of band) | 3.57% |
| Efficiency ratio | 57.69% (p65 of band) | |
| Noncurrent loans | 0.42% (p23 of band) | 0.66% |
| Net charge-offs (annualized) | 0.12% (p62 of band) | |
| Reserve coverage of noncurrent | 288.25% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 47.53% (p74 of band) | |
| Auto loans | $4.04B (11.06% of loans; DQ 0.77%, NCO 0.01%) | |
| Loans to nondepository financials | $3.15B (59% of equity) (p83 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 4337 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 2 | capital falling | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | brokered >10% |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 3 | uninsured deposits >50% |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 4 | reserve under noncurrent | capital falling |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | capital falling |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 3 |  | reserve under noncurrent, capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | capital falling | brokered >10% |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | uninsured deposits >50% |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits >50% |  |
| 2019-09 | 3 | run vulnerability |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | loans-to-lenders >50% equity |  |
| 2020-06 | 3 |  | run vulnerability |
| 2020-09 | 3 | run vulnerability | wholesale funding >15% |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | NIM <2.5% | run vulnerability |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 2 |  | NIM <2.5% |
| 2022-09 | 3 | run vulnerability |  |
| 2022-12 | 4 | wholesale funding >15% |  |
| 2023-03 | 3 |  | run vulnerability |
| 2023-06 | 3 | brokered >10% | uninsured deposits >50% |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 3 |  | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | brokered >10% |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-06 [Associated Bank taps U.S. Bank leader for new AI role - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQZVNpcUlCNzdfMjlRUXhfVTJ1eXBBUHY0Qm9CWll0Y1NLZXVBZ0xpemZUOGNtS1VIOW9CVlBodW84cWFuZGkzeGEteTZyVUJDSFFCaDZwR1JCTm92cEJMMDdPcVhxQ2FZaC04THV4T3l3Z1ZiR2ZZNEFXUTYxeTFkdjEzZHM3QmRFamZGbmZQNWl4UlVtLXFvZTJBUXpvclN5RjZfMA?oc=5) · The Business Journals
- 2026-03-16 [Associated Bank Names Neil Riegelman as Milwaukee Market President - Urban Milwaukee](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNY1l6b1FVWElDYkJJOHNvVUd1RTlyanVSQUVYLVJXU1JrenZVSUZXdXc0UVNWZmZDaWlTVFNmaFB3NE95NkxJWU9ZOTNNMDVEekQ0enk4TWtWYVNZcXlWZUtGT3E3am9QZmd2RDBtOThNM0lxODNIYmlMTVhrVFg5Y1BnU0hmVl91Z24wRDBZZ3FqeGtsS2dmbnFUN25IdjZ1SjJDb0xiNWQyb0U?oc=5) · Urban Milwaukee
- 2025-12-01 [Associated Banc-Corp to accelerate growth strategy with acquisition of American National Corporation - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPblZab3lCbG40RzhkdWZWSFpfelR0N3M5Vy1BSDAwNjVTQWJnTnFiQnQxc2FoS3lLZnRZYW56Ui1LYzdyR0FITDdRRmtkUHNncnZPX0dXWldsSmI2V2k4UWJuX1YwdThKNkpqelpsT01vbF9uZ1hJbFdWQmNlQVBwSnhOVHo4MUFFY1RWUVBTcm9rTG5DYjdGcW9hNXpuUzRZcVJXbjJ4SGZYVjZZQ2tMdTJ4ZjB1Z1pad2xIeTJPbUZQOUJEb3lrclZrQlRGTHNGaWJQYVJCMlRpa1Q1ckpuTjZBNzktSVA3S0pMUA?oc=5) · PR Newswire
- 2025-12-01 [Associated Banc-Corp to acquire American National in $604 million all-stock merger - WLUK](https://news.google.com/rss/articles/CBMinAJBVV95cUxQelMtN1ZPX1ZZNE1qVGc4emtVYk9lN2x0TUhuTXV0aVVZeFg4ei1sUFh5MTBhamlYVGYxMnQ4YXdlUy1kdVc4OTRQaHRrM0ZXb09ST1NHc2pCSTVtZUYzT0pBMXF2Z0hkeHExd2FLYUp1b1FkcDVMYW5QME5QNXhvNGpvN2lsQ1RXem5ldXBNVzRqRzctVGpTcVJ5eE1EY1o5SEZMX1J4bE45UGdnZU5Cc1hpR2VoODdCS0hXTklPZFk2OFJoQ3NkaThvSDI2X2dfdGZxNUwyOFozQzRrTFByNjltUU13VmpoZTFRN20xMFA3SDdnWk5URUFZdlVRRjhiYndWYU1CeGZuVGxCa0s3QzJxS1o3UVBCbmxIZg?oc=5) · WLUK
- 2025-12-02 [Omaha-based American National Bank to merge with Wisconsin bank - WOWT](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNWM5MzJNR2xiaHh1cVZzX3ZPNmw1NFJiU0lVZDE5cWFxaWxRRUlnSVdqSDF3UThSdlNsenAyRjBSVmdHOGdESEkyMEgxVmxodVpUNTZjM0d5eEpCYnFYSXc4VHl3YW11NkZjSFNhQWJVc2NpVmhJYkkzTElNMWJZWDB1S0FsZkthZHJiOGU0VHJzb2pEVWJFb9IBrAFBVV95cUxNMnVFakdjOGhGUkRsMWFxTWVIN1NZdUJpcURRcW9qYUpZTms2WmNiUjhOS2k0TENDOVRNOTVncUg0d01xZWxsZFlWc3RoU0ctS3J4amQxNDVYUFJIU3I0Y1pfaVRtLWtmWTBFcl9jSjNRanl3VjUyN0Q5VFFsM0NqMkdZdmFMeHA5Tl9hd1YyV09VYmE4X1JRTThaazNFTzFHZ0ZTQUVHR3drM3dD?oc=5) · WOWT
- 2026-01-06 [Two banks with Door County branches named among best in America - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPNkVnanFwWUU1OWpnYUJWUVhaMVdGRE42aWtFSk1kdGxGenRIekl4T0txTXFXaXVRaktGZ2t4aXgxeTN6R2dEVS1qS0lpQWhFM2NSazY0Skp1NEpGRG1UaHVUQ2hSRlp3dDJWWEtlaURqZjVOMW5BNnQ2aEg1WHJtbDR1V1BiVG5LS0tUZWlQSHFJRnFOc3RNSDlwSV9lRENXRTFLdjV5eUc4WDRrVzNHaHdtTTNIMldjdnA3UlZ4STYzTTlFX0x6NFd6b3FpcVFFYnNBaUtxcnIzLTN2ak5rMHNnUQ?oc=5) · Green Bay Press-Gazette
- 2026-04-10 [Associated Bank eyes growth in Dallas-Fort Worth area - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYkt6bHlpU0NWQXRHaWNYaXZGQ3hJb1JwYjdzRDFpSG5fdW9NMGo2eW9hMnBhRG44RzNWMkZyU2xlckhFalJWb2dnMGFRZHZXR1o1cWF3cGE4Z2NzMjFIMlFFT1ZzNGktMHNwdjhuMVZDNF9CRlNpN1lsSUc3WmxJTENyT0UwanB3aGNHX0o0d3R0WkFuQUR1WnNpY1Q1S2VHLWFLcjNJek1Ddw?oc=5) · The Business Journals
- 2026-03-05 [Milwaukee Brewers and Associated Bank Announce Enhanced Benefits for Brewers Checking Customers - Urban Milwaukee](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPT21QTU9OLUJVZWlIUVNNekZybndJa3ZsaTFzY1dMU0lPWTVvcy1hUnZENzM4OXE4OEE2U2JVMTFXOFBxQjVtV3JEZ0FZLTlSYmxmZ0Q3SzlGUkVMbGY3TlhlVEF4ekR2OXRWWk1wUUh4NzFCNHdNbzRhOXlEVEZZd3Y3MFJwWUR2dnFTalVDa1E5am53Z1NabGRwR3F0Z0FXQ2pQbkFZZ3hDNnpQTU5aWFJSc3U2clMzWGIzWE1qcUF2NG1NQ0VMS2RhMlEwck9zZXc?oc=5) · Urban Milwaukee

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5296 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "5296", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide