Associated Banc-corp · NYSE:ASB
Associated Banc-corp — Q3 2026 Earnings Presentation
12 slides from Associated Banc-corp's earnings presentation, Sep 14, 2026
Slide 1: Associated Banc-Corp Third Quarter 2026 Investor Presentation
Associated Banc-Corp Third Quarter 2026 Investor Presentation September 14, 2026
Slide 2: Important Disclosures
Important Disclosures Forward-looking statements: Statements made in this document which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding management’s plans, objectives, or goals for f
Slide 3: Key Themes
Key Themes Continued & Sustainable Organic Growth 2H 2026 Momentum American National Integration on Track; Conversion Expected in October 2026 Actively Mapping Out Strategic Actions for 2027-2029 3
Slide 4: Strengthened Franchise with Growth Momentum
Strengthened Franchise with Growth Momentum Since launching our growth-focused strategic plan in September 2021, we’ve remixed the balance sheet, grown our customer base, enhanced profitability & improved our return profile Period End Loan Trends ($ in billions) Net Interest Margin (%) Efficiency Ra
Slide 5: Sustainable Relationship Commercial Growth
Sustainable Relationship Commercial Growth 1H 2026 results reflect continued growth momentum, with several YTD investments expected to sustain growth through 2026-27 Added top talent in key leadership roles Period End C&I Loan Growth Trends ($ in billions) Increased RMs by nearly 50% from 4Q21 to 2Q
Slide 6: Sustainable Relationship Deposit Growth
Sustainable Relationship Deposit Growth Our YoY deposit growth rate has improved for three straight years, with relationship-focused initiatives driving sustainable growth Period End YoY Deposit Growth Trends ($ in billions) Customer CKG HH growth of 2%+ (annualized) Total Deposits Modernized digita
Slide 7: FY 2026 Outlook
FY 2026 Outlook1 Previous FY 2026 Outlook Updated FY 2026 July 23, 2026 Outlook Total Loans Up 18% to 20% No Change Total C&I Loans Up 20% to 22% No Change Total Deposits Up 17% to 19% No Change Core Customer Deposits2 Up 19% to 21% No Change Net Interest Income Up 19% to 21% No Change Noninterest I
Slide 8: Strategic Priorities for 2027-2029
Strategic Priorities for 2027-2029 Our strategic planning discussions are anchored on several key priorities intended to maintain & accelerate growth momentum Continued Investment in Outperforming Outperforming Competing Across Major People, Products & Customer Household Commercial Metro Markets & T
Slide 9: Appendix
Appendix Minneapolis, MN oN Associated Bank
Slide 10: Reconciliation & Definitions of Non-GAAP Items
Reconciliation & Definitions of Non-GAAP Items Non-GAAP Efficiency Ratios Reconciliation ($ in thousands) YTD Jun 2026 FY 20201 Total expense for efficiency ratios reconciliation Noninterest expense $491,045 $776,034 Less: Other intangible amortization 9,096 10,192 Total expense for fully tax-equiva
Slide 11: Reconciliation & Definitions of Non-GAAP Items
Reconciliation & Definitions of Non-GAAP Items Return on Average Tangible Common Equity (ROATCE) Reconciliation ($ in thousands) YTD Jun 2026 FY 20201 Net income available to common equity $237,450 $288,413 Other intangible amortization, net of tax 6,822 7,644 Adjusted net income available to common
Slide 12: Reconciliation & Definitions of Non-GAAP Items
Reconciliation & Definitions of Non-GAAP Items Period End Adjusted Loans Reconciliation A B ($ in thousands) Jun 30, 2026 ANC Bal as of Jun 30, 2026 A – B = Adjusted Loans ex. ANC Commercial and industrial loans $13,750,175 $766,171 $12,984,004 Period End Core Customer Deposits Reconciliation ($ in