ASB

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Achieved full-year organic C&I loan growth targets within six months, driven by a 50% increase in relationship managers and strategic metro market expansions. Successfully integrated American National Corporation's balance sheet, confirming that credit marks and portfolio quality are tracking in line with due diligence expectations. Delivered the strongest June-to-June organic core customer deposit growth in five years, attributed to modernized digital banking and a successful mass affluent program. Expanded the net interest margin by 14 basis points to 3.17%, benefiting from a strategic remix toward commercial loans and the repositioning of the acquired securities portfolio. Launched a new deposit-focused HOA and title company vertical, utilizing upgraded technology to target high-quality commercial funding sources. Maintained a disciplined expense posture while absorbing $24 million in nonrecurring merger costs, focusing on positive operating leverage post-integration. Anticipates continued NIM expansion through the second half of 2026, supported by the ongoing remix of the balance sheet from residential to commercial assets. Projects total loan growth of 18% to 20% for the full year, factoring in expected elevated payoffs in the commercial real estate portfolio during the back half. Expects the first full quarter of realized cost savings from the American National merger to occur in Q1 2027, following an October systems conversion. Assumes a relatively neutral interest rate position, utilizing fixed-rate swaps and a $4 billion auto book to mitigate sensitivity to rate fluctuations. Targets a sustainable core customer deposit growth rate of 19% to 21% for the full year, supported by increased marketing spend in growth markets. Recognized $24 million in nonrecurring merger expenses in Q2, primarily within personnel, legal, and professional categories. Identified $7 million in net charge-offs specifically related to aligning a handful of inherited American National credits with Associated's stricter credit philosophy. Increased the expected cost savings from the American National acquisition from 25% to approximately 30% of their expense base. Noted a $290 million increase in criticized loans, which management clarified was almost entirely due to the addition of the American National portfolio rather than credit deterioration. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management confirmed plans to deploy already approved share repurchases in the third and fourth quarters of 2026. The decision is supported by increased profitability profiles and a clear understanding of the final purchase accounting marks from the recent acquisition. The 100 basis point increase in total loan growth guidance is driven by strong CRE production, though management expects significant pay-downs in the second half of the year. C&I pipelines remain robust, up 20% year-over-year, providing confidence in hitting the 20% to 22% growth target despite seasonal volatility. Management expects this new vertical to generate $200 million to $300 million in deposits by the end of 2027. The business relies on specialized technology launched in June and a seasoned team recruited from a major competitor.

This article first appeared on GuruFocus. GAAP EPS: $0.63 in Q2. Adjusted EPS: $0.73 after adjusting for $24 million of nonrecurring costs. Total Loan Growth: 15% increase versus the prior quarter, including American National acquisition. Organic Loan Growth: 3% or $940 million in Q2. Commercial & Industrial (C&I) Loan Growth: $644 million in organic growth during the quarter. Total Deposit Growth: 12% increase in Q2, including American National balances. Organic Core Customer Deposit Growth: 6% or $1.7 billion from June 30, 2025, to June 30, 2026. Net Interest Income: $370 million, a 20% increase versus the prior quarter. Noninterest Income: $80 million, up $5 million versus the prior quarter. Noninterest Expense: $272 million, increased by $53 million versus the prior quarter. Provision for Credit Losses: $19 million in Q2. Net Charge-offs: $23 million for the quarter. Common Equity Tier 1 (CET1) Ratio: 10.47% in Q2. Tangible Book Value Per Share: $22.15. Warning! GuruFocus has detected 5 Warning Sign with ASB. Is ASB fairly valued? Test your thesis with our free DCF calculator. Release Date: July 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Associated Banc-Corp (NYSE:ASB) achieved its target of 9% to 10% organic C&I loan growth for the year by June 30, 2026, with over $600 million added in balances during the second quarter. Organic core customer deposits increased by 6% from June 30, 2025, to June 30, 2026, marking the strongest June-to-June growth in the last five years. The integration of American National Corporation is proceeding as planned, with systems and branch conversion expected in October 2026. Net interest income increased by 20% in Q2 2026 compared to the prior quarter, driven by the acquisition of American National. The company expects total loan growth of 18% to 20% in 2026, with C&I loan growth projected at 20% to 22% compared to 2025. Total deposits decreased by 1% in Q2 2026, excluding the impact of American National, due to normal seasonality. Noninterest expenses increased by $53 million in Q2 2026, partly due to $24 million in nonrecurring costs from the American National acquisition. The allowance for credit losses (ACLL) ratio increased by 2 basis points, with $23 million in charge-offs for the quarter. Nonaccrual balances increased to $150 million in Q2 2026, with half of the increase attributed to the American National portfolio. Criticized loans increased by $290 million versus the prior quarter, driven by the addition of American National. Q: Can you clarify the expense guidance of up 20% to 21% and how it translates to a core basis for 2026? A: Derek Meyer, CFO, explained that to back into a core number, you should take the guidance and subtract the nonrecurring costs outlined on slide 5. The core expense growth is slightly higher due to deferred compensation expenses, which are net neutral as they are offset by fees in terms of EPS. Q: The outlook for total loan growth is higher, but C&I loan growth remains unchanged. What is driving this incremental growth? A: Andrew Harmening, CEO, noted that the growth is largely coming from commercial real estate (CRE). The company had strong C&I growth in the first half of the year, but expects some paydowns in the second half due to timing of production and industry trends. Q: With the October conversion, when will the full run rate of cost savings be realized? A: Andrew Harmening confirmed that the first full quarter with the run rate of cost savings will be the first quarter of 2027. However, the impact will start to become clear by the end of 2026. Q: Can you provide more details on the NIM outlook and deposit cost trends? A: Derek Meyer highlighted that deposit costs improved modestly in Q2, and the company expects continued NIM expansion in the third and fourth quarters due to strong loan growth and a favorable mix shift in the portfolio. Q: What is the company's M&A appetite following the American National acquisition? A: Andrew Harmening stated that the primary growth strategy remains organic growth. The focus is on integrating American National and leveraging its capabilities to enhance organic growth. M&A will be considered once the integration is complete and the company is confident in its organic growth trajectory. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Associated Banc-Corp’s ASB  second-quarter 2026 adjusted earnings of 73 cents per share beat the Zacks Consensus Estimate by a penny. The bottom line compared favorably with 65 cents in the prior-year quarter.Results were primarily aided by higher net interest income (NII) and non-interest income. A sequential rise in loans and deposit balances acted as tailwinds. However, higher expenses and provisions were the undermining factors.Results in the reported quarter excluded several non-recurring expenses associated with the acquisition of American National, which was completed in April. After considering those, net income available to common equity was $120.7 million, up 11% year over year. Our estimate for the metric was $136.8 million. Total revenues (FTE basis) for the quarter were $454.6 million, up from $367 million in the prior-year quarter. The top line outpaced the Zacks Consensus Estimate of $443.7 million.NII was $370 million, increasing 23% year over year. The net interest margin was 3.17%, up 13 basis points. We had expected NII and net interest yield to be $360.4 million and 3.14%, respectively.Non-interest income totaled $80.4 million, improving 20% from the prior-year quarter. This reflected increases in wealth management fees, service charges and deposit account fees, card-based fees, other fee-based revenues, capital markets revenues, bank and corporate-owned life insurance, net investment securities gains, and other income. Our estimate for non-interest income was $78.6 million.Non-interest expenses were $271.9 million, up 30% year over year. The rise reflected an increase in almost all cost components, except for loan and foreclosure costs. Our estimate for non-interest expenses was $244.4 million.The adjusted efficiency ratio was 52.91%, down from 55.81% in the prior-year quarter. A fall in the efficiency ratio indicates an improvement in profitability. As of June 30, 2026, total loans were $36.5 billion, up 15% sequentially. The rise was driven by higher commercial and business lending, commercial real estate lending and consumer lending. Our estimate for total loans was $36.3 billion.Total deposits rose 12% sequentially to $39.9 billion. Our estimate for total deposits was $40.6 billion. In the reported quarter, the company recorded a provision for credit losses of $19.4 million, up 8% from the prior-year quarter. Our estimate for the metric was $18.4 million.As of June 30, 2026, total non-performing assets were $185.3 million, up 25% year over year. Total non-accrual loans were $150 million, rising 33%. Net charge-offs were $23.2 million, up 81% from the prior-year quarter. As of June 30, 2026, the common equity Tier 1 (CET1) capital ratio was 10.47%, up from 10.20% in the corresponding period of 2025. The Tier 1 capital ratio was 10.94%, up from 10.77%. After including the impact of the acquisition of American National, management expects total period-end loan growth of 18-20% compared with ASB’s standalone results for the year ended Dec. 31, 2025. This is changed from the previous expectation of 17-19% growth.Period-end total deposit growth is estimated to be 17-19%, while period-end core customer deposit growth is anticipated to be 19-21%.The company expects NII growth of 19-21%.Total non-interest income is expected to rise 8-10%.Including the non-recurring costs incurred in connection with the American National acquisition, non-interest expenses are expected to increase 20-21%.The annual effective tax rate is expected to be 19-21%. In April, ASB completed the previously announced acquisition of American National Corporation, which is expected to improve its deposit mix through low-cost deposits, strengthen its Midwest scale and enhance its liquidity profile. The deal is anticipated to be 2% accretive to the company’s 2027 earnings per share, assuming the execution of cost savings.In addition to this, continued commercial and industrial loan growth, expanding core customer deposits, steady credit performance and a solid capital position bode well for ASB’s sustained growth. However, rising expenses remain a near-term headwind. Associated Banc-Corp price-consensus-eps-surprise-chart | Associated Banc-Corp Quote ASB currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. East West Bancorp, Inc.’s EWBC second-quarter 2026 earnings per share of $2.63 beat the Zacks Consensus Estimate of $2.61. The bottom line increased 17.4% from the prior-year quarter.EWBC’s results were primarily aided by increases in NII and non-interest income, alongside lower provisions. Also, loan and deposit balances increased sequentially in the quarter to record levels. However, higher non-interest expenses acted as a spoilsport.Commerce Bancshares Inc.’s CBSH second-quarter 2026 earnings of $1.10 per share surpassed the Zacks Consensus Estimate of $1.04. The bottom line reflected a rise of 1% from the prior-year quarter.CBSH’s results primarily benefited from higher NII and a rise in non-interest income. The sequential rise in loan balances acted as a tailwind. However, higher expenses and provisions hurt CBSH’s results to some extent. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Associated Banc-Corp (ASB) : Free Stock Analysis Report Commerce Bancshares, Inc. (CBSH) : Free Stock Analysis Report East West Bancorp, Inc. (EWBC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Interested in Associated Banc-Corp? Here are five stocks we like better. Associated Banc reported improved second-quarter results, with adjusted EPS of $0.73 and strong loan growth driven by the American National acquisition plus organic commercial lending gains. Organic C&I loan growth hit the bank’s full-year target by the end of June. The American National integration remains on schedule, with systems and branch conversion expected in October and cost savings now projected at about 30% of the acquired expense base. Management said the deal should deepen its commercial presence and add new product capabilities. Profitability and credit quality stayed solid, as net interest income rose to $370 million, margin expanded to 3.17%, and delinquencies fell. The bank said asset quality remains strong and kept its 2026 outlook for robust loan and deposit growth. S&P Downgrades 5 Banks: What Does It Mean For The Market? Associated Banc (NYSE:ASB) reported higher second-quarter earnings on an adjusted basis as the Green Bay, Wisconsin-based bank incorporated the acquisition of American National Corporation and continued to post organic growth in commercial lending and customer deposits. President and CEO Andy Harmening said the bank remains focused on “sustainable, profitable organic growth,” particularly in commercial banking. He said Associated Banc had already reached its full-year target for organic commercial and industrial loan growth by the end of June, after adding more than $600 million in C&I balances during the second quarter. → Could Truth API Become Trump Media’s First Meaningful Revenue Driver? The company reported GAAP earnings per share of $0.63 for the quarter, or $0.73 after adjusting for $24 million of non-recurring costs related to the American National acquisition. Total loans increased 15% from the prior quarter, reflecting the addition of nearly $4 billion in American National loan balances. Excluding the acquisition, organic loans grew 3%, or $940 million, during the quarter. Harmening said organic C&I loans increased by $644 million in the quarter and nearly $1.2 billion, or 10%, through the first half of the year. He said that effectively met the bank’s original full-year target within six months. → 3 Photonics Companies Making Quantum Tech Possible Associated Banc closed the American National transaction during the quarter and incorporated its balance sheet as of April 1. Harmening said the company has assessed purchase accounting impacts, identified cost savings and remains on track for systems and branch conversion in October. The company said expected cost savings have increased from 25% of American National’s expense base to about 30%. Management said the expected tangible book value earn-back period remains at 2.25 years, despite non-recurring merger expenses coming in slightly above initial expectations and fair value marks being affected by changes in interest rates. → AeroVironment’s Stock Is Down, But Drone Demand Is Taking Off Harmening said American National’s businesses and team have performed as expected. He said the transaction positions Associated Banc to deepen relationships in markets including Omaha and the Twin Cities, while adding products such as wealth management, capital markets, consumer banking capabilities, health savings accounts and upgraded digital banking tools after conversion. Total deposits and core customer deposits both increased 12% in the second quarter, largely due to the addition of more than $4 billion in American National deposit balances. Excluding those balances, total deposits declined 1% from the prior quarter, which management attributed to normal second-quarter seasonality. Harmening highlighted stronger year-over-year organic deposit growth. From June 30, 2025, to June 30, 2026, organic core customer deposits increased 6%, which he described as the strongest June-to-June growth the bank has seen in five years. He also said primary checking households grew 2.4% on an annualized basis year to date, the strongest pace since the bank began tracking the metric more than a decade ago. The bank pointed to investments in digital banking, marketing, product enhancements and a mass affluent program as contributors to consumer deposit growth. In commercial banking, Harmening said treasury management and health savings account businesses are both growing at double-digit rates year over year. Management also discussed a new deposit-focused homeowners association and title company vertical. Harmening said the necessary technology upgrades were completed around June and that the business has already begun bringing in deposits. He said the vertical could reach $200 million to $300 million in deposits by the end of 2027. Chief Financial Officer Derek Meyer said second-quarter net interest income was $370 million, up $63 million from the prior quarter and $70 million from the year-ago period, following the American National acquisition. Net interest margin increased 14 basis points to 3.17%. Meyer said purchase accounting accretion and deferred loan cost and fee adjustments contributed six basis points to the quarter’s margin. He also noted that Associated Banc repositioned American National’s securities portfolio, selling a portfolio with a book value of approximately $1 billion and reinvesting the same amount at a yield of about 4.6%. Meyer said deposit pricing was “the unsung hero of the quarter,” noting that deposit costs at legacy Associated Banc improved modestly in the second quarter despite seasonal pressure on funding. Harmening said the bank expects net interest margin expansion in both the third and fourth quarters, supported by loan remixing, deposit trends and the securities repositioning. For 2026, Associated Banc now expects net interest income to grow 19% to 21% compared with Associated’s standalone 2025 results. Total non-interest income was $80 million in the second quarter, up $5 million from the prior quarter and $13 million from the year-ago quarter. Meyer said the increase reflected the American National acquisition as well as growth in legacy wealth management and capital markets businesses. Total non-interest expense was $272 million, up $53 million from the prior quarter. The figure included $24 million in non-recurring acquisition-related costs. Meyer said most non-recurring expenses year to date have been recorded in personnel and legal and professional categories. Adjusted for non-recurring expenses, the efficiency ratio declined to 52.9%. Associated Banc now expects 2026 non-interest expense to grow 20% to 21% compared with Associated’s standalone 2025 results, including non-recurring acquisition costs. During the question-and-answer session, Meyer said the company remains largely on track with its original core expense plan, aside from deferred compensation expense, which he said is offset by fee income for earnings-per-share purposes. Chief Credit Officer Pat Ahern said asset quality remained solid in the quarter. The allowance for credit losses increased by $69 million to $494 million, with the increase driven by loan growth and normal credit movements. The allowance ratio rose two basis points from the prior quarter to 1.36% of total loans. Total delinquencies decreased by $28 million from the prior quarter to $60 million. Criticized loans increased by $290 million, largely due to the addition of American National, but remained generally consistent as a percentage of total loans. Non-accrual loans rose $39 million to $150 million, with about half of the increase coming from the American National portfolio as Associated Banc aligned certain credits with its risk-rating philosophy. Net charge-offs were $23 million, including $7 million related to American National. Ahern said charge-offs from Associated Banc equated to approximately 18 basis points for the quarter and 13 basis points year to date, in line with historical trends. Ahern said the company has completed reviews of the vast majority of American National’s credit portfolio and is not seeing surprises relative to due diligence. Harmening added that the bank feels “extremely well reserved” across the combined portfolio. Associated Banc maintained its outlook for 2026 C&I loan growth of 20% to 22% and now expects total loan growth of 18% to 20% compared with Associated’s standalone results at the end of 2025. It also continues to expect total deposit growth of 17% to 19% and core customer deposit growth of 19% to 21% on the same basis. Associated Banc-Corp, through its primary subsidiary Associated Bank, N.A., is a regional financial services company headquartered in Green Bay, Wisconsin. The bank operates more than 200 branches across the Midwest, offering community-focused banking solutions for individuals, small businesses and commercial clients. Its emphasis on personalized service and regional decision-making supports long-standing customer relationships. On the consumer side, Associated Bank provides checking and savings accounts, residential mortgages, home equity lines of credit, auto financing and credit card products. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Associated Banc Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Results fueled by sustained organic growth trends, ongoing integration of American National Corporation. GREEN BAY, Wis., July 23, 2026 /PRNewswire/ -- Associated Banc-Corp (NYSE: ASB) ("Associated" or "Company") today reported net income available to common equity ("earnings") of $121 million, or $0.63 per common share, for the quarter ended June 30, 2026. These amounts compare to earnings of $117 million, or $0.70 per common share, for the quarter ended March 31, 2026 and earnings of $108 million, or $0.65 per common share, for the quarter ended June 30, 2025. The Company's results for the quarter ended June 30, 2026 were impacted by several nonrecurring expenses associated with the acquisition of American National Corporation that closed on April 1, 2026. Excluding the impact of these nonrecurring items, the Company reported adjusted earnings of $140 million, or $0.73 per common share1. "Organic growth continues to be a primary focus for our company, and midway through 2026, we've maintained our momentum in several important ways," said President & CEO Andy Harmening. "Through June 30th, we've seen double-digit C&I growth, excellent household growth, and strong, improving annual deposit growth--all while maintaining our disciplined approach to expense management and credit. We've also been pleased with the American National partnership, which has largely come in as expected." "As we look to the back half of 2026 and into 2027, we expect to maintain our growth trajectory through steady execution of organic initiatives and the successful integration of American National Corporation. We look forward to demonstrating our ability to deliver profitable growth sustainably over time." Second Quarter 2026 Highlights Total period end loans of $36.5 billion (+15% vs. 1Q 2026; +19% vs. 2Q 2025) Total period end commercial & industrial loans of $13.8 billion (+11% vs. 1Q 2026; +22% vs. 2Q 2025) Total period end deposits of $39.9 billion (+12% vs. 1Q 2026; +17% vs. 2Q 2025) Total period end core customer deposits1 of $34.2 billion (+12% vs. 1Q 2026; +21% vs. 2Q 2025) Net interest income of $370 million (+20% vs. 1Q 2026; +23% vs. 2Q 2025) Net interest margin of 3.17% Noninterest income of $80 million Noninterest expense of $272 million Provision for credit losses of $19 million Allowance for credit losses on loans / total loans of 1.36% Net charge offs / average loans (annualized) of 0.26% Loans Second quarter 2026 average total loans of $35.9 billion increased 15%, or $4.6 billion, from the prior quarter and increased 18%, or $5.4 billion, from the same period last year. With respect to second quarter 2026 average balances by loan category: Commercial and business lending increased $1.8 billion from the prior quarter and increased $2.7 billion from the same period last year to $14.8 billion. Commercial real estate lending increased $1.6 billion from the prior quarter and increased $1.5 billion from the same period last year to $8.9 billion. Consumer lending increased $1.2 billion from the prior quarter and increased $1.2 billion from the same period last year to $12.2 billion. Second quarter 2026 period end total loans of $36.5 billion increased 15%, or $4.7 billion, from the prior quarter and increased 19%, or $5.9 billion, from the same period last year. With respect to second quarter 2026 period end balances by loan category: Commercial and business lending increased $1.8 billion from the prior quarter and increased $2.9 billion from the same period last year to $15.3 billion. Commercial real estate lending increased $1.7 billion from the prior quarter and increased $1.7 billion from the same period last year to $9.0 billion. Consumer lending increased $1.2 billion from the prior quarter and increased $1.2 billion from the same period last year to $12.1 billion. We now expect 2026 period end loan growth of 18% to 20% as compared to Associated's standalone results for the year ended December 31, 2025. Deposits Second quarter 2026 average deposits of $40.4 billion increased 15%, or $5.2 billion, from the prior quarter and increased 18%, or $6.2 billion, from the same period last year. With respect to second quarter 2026 average balances by deposit category: Noninterest-bearing demand deposits increased $1.1 billion from the prior quarter and increased $1.4 billion from the same period last year to $7.1 billion. Savings increased $514 million from the prior quarter and increased $824 million from the same period last year to $6.0 billion. Interest-bearing demand deposits increased $834 million from the prior quarter and increased $1.0 billion from the same period last year to $8.7 billion. Money market deposits increased $1.6 billion from the prior quarter and increased $1.7 billion from the same period last year to $7.6 billion. Brokered CDs increased $558 million from the prior quarter and decreased $4 million from the same period last year to $4.1 billion. Other time deposits increased $711 million from the prior quarter and increased $1.2 billion from the same period last year to $4.9 billion. Network transaction deposits decreased $38 million from the prior quarter and increased $36 million from the same period last year to $1.9 billion. Core customer deposits[1] increased $4.7 billion from the prior quarter and increased $6.1 billion from the same period last year to $34.4 billion. Second quarter 2026 period end deposits of $39.9 billion increased 12%, or $4.2 billion, from the prior quarter and increased 17%, or $5.8 billion, from the same period last year. With respect to second quarter 2026 period end balances by deposit category: Noninterest-bearing demand deposits increased $783 million from the prior quarter and increased $1.1 billion from the same period last year to $6.9 billion. Savings increased $511 million from the prior quarter and increased $880 million from the same period last year to $6.2 billion. Interest-bearing demand deposits increased $733 million from the prior quarter and increased $1.2 billion from the same period last year to $8.7 billion. Money market deposits increased $1.4 billion from the prior quarter and increased $1.7 billion from the same period last year to $7.6 billion. Brokered CDs increased $371 million from the prior quarter and decreased $138 million from the same period last year to $3.9 billion. Other time deposits increased $298 million from the prior quarter and increased $980 million from the same period last year to $4.8 billion. Network transaction deposits increased $77 million from the prior quarter and increased $31 million from the same period last year to $1.8 billion. Core customer deposits1 increased $3.8 billion from the prior quarter and increased $5.9 billion from the same period last year to $34.2 billion. We continue to expect 2026 period end total deposit growth of 17% to 19% and period end core customer deposit growth of 19% to 21% as compared to Associated's standalone results for the year ended December 31, 2025. Net Interest Income and Net Interest Margin Second quarter 2026 net interest income of $370 million increased $63 million from the prior quarter and increased $70 million from the same period last year. The net interest margin of 3.17% was a 14 basis point increase from the prior quarter and a 13 basis point increase from the same period last year. The average yield on total loans for the second quarter of 2026 increased 14 basis points from the prior quarter and decreased 22 basis points from the same period last year to 5.67%. The average cost of total interest-bearing liabilities for the second quarter of 2026 decreased 1 basis point from the prior quarter and decreased 36 basis points from the same period last year to 2.66%. The net free funds benefit for the second quarter of 2026 increased 2 basis points from the prior quarter and decreased 4 basis points from the same period last year to 0.52%. We expect 2026 net interest income growth of 19% to 21% as compared to Associated's standalone results for the year ended December 31, 2025. Noninterest Income Second quarter 2026 total noninterest income of $80 million increased $5 million from the prior quarter and increased $13 million from the same period last year. With respect to second quarter 2026 noninterest income line items: Card-based fees increased $3 million from the prior quarter and increased $3 million from the same period last year. Service charges and deposit account fees increased $2 million from the prior quarter and increased $3 million from the same period last year. Capital markets, net increased $1 million from the prior quarter and increased $2 million from the same period last year. Wealth management fees increased $1 million from the prior quarter and increased $3 million from the same period last year. Mortgage banking, net decreased $3 million from the prior quarter and decreased $1 million from the same period last year. We continue to expect total noninterest income growth of 8% to 10% in 2026 as compared to Associated's standalone results for the year ended December 31, 2025. Noninterest Expense Second quarter 2026 total noninterest expense of $272 million increased $53 million from the prior quarter and increased $63 million from the same period last year. Second quarter 2026 total noninterest expense included $24 million of nonrecurring costs associated with the acquisition of American National Corporation, which closed on April 1, 2026. With respect to second quarter 2026 noninterest expense line items: Personnel expense increased $26 million from the prior quarter and increased $34 million from the same period last year. Legal and professional expense increased $11 million from the prior quarter and increased $11 million from the same period last year. Other intangible amortization increased $5 million from the prior quarter and increased $5 million from the same period last year. Technology expense increased $3 million from the prior quarter and increased $6 million from the same period last year. We expect 2026 noninterest expense growth of 20% to 21% as compared to Associated's standalone results for the year ended December 31, 2025. This figure includes nonrecurring costs incurred in connection with the acquisition of American National Corporation. Taxes Second quarter 2026 income tax expense was $36 million, compared to $33 million of income tax expense in the prior quarter and $28 million of income tax expense in the same period last year. The effective tax rate for the second quarter of 2026 was 22.37%, compared to 21.75% in the prior quarter and 20.34% in the same period last year. We continue to expect the annual effective tax rate to be between 19% and 21% in 2026. Credit Second quarter 2026 provision for credit losses on loans was $19 million, compared to a provision of $11 million in the prior quarter and a provision of $18 million in the same period last year. With respect to second quarter 2026 credit quality: Nonaccrual loans of $150 million increased $39 million from the prior quarter and increased $37 million from the same period last year. The nonaccrual loans to total loans ratio was 0.41% in the second quarter, up from 0.35% in the prior quarter and up from 0.37% in the same period last year. Second quarter 2026 net charge offs of $23 million increased compared to net charge offs of $5 million in the prior quarter and increased compared to net charge offs of $13 million in the same period last year. The allowance for credit losses on loans (ACLL) of $494 million increased $69 million compared to the prior quarter and increased $83 million compared to the same period last year. The ACLL to total loans ratio was 1.36% in the second quarter, up from 1.34% in the prior quarter and up from 1.35% in the same period last year. In 2026, we continue to expect to adjust provision to reflect changes to risk grades, economic conditions, loan volumes, and other indications of credit quality. Capital The Company's capital position remains strong, with a CET1 capital ratio of 10.47% at June 30, 2026. The Company's capital ratios continue to be in excess of the Basel III "well-capitalized" regulatory benchmarks on a fully phased in basis. SECOND QUARTER 2026 EARNINGS RELEASE CONFERENCE CALL The Company will host a conference call for investors and analysts at 4:00 p.m. Central Time (CT) today, July 23, 2026. Interested parties can access the live webcast of the call through the Investor Relations section of the Company's website, http://investor.associatedbank.com. Parties may also dial into the call at 877-407-8037 (domestic) or 201-689-8037 (international) and request the Associated Banc-Corp second quarter 2026 earnings call. The second quarter 2026 financial tables with an accompanying slide presentation will be available on the Company's website just prior to the call. An audio archive of the webcast will be available on the Company's website approximately fifteen minutes after the call is over. ABOUT ASSOCIATED BANC-CORP Associated Banc-Corp (NYSE: ASB) has total assets of $52 billion and is the largest bank holding company based in Wisconsin. Headquartered in Green Bay, Wisconsin, Associated is a leading Midwest banking franchise, offering a full range of financial products and services from over 200 banking locations throughout Wisconsin, Illinois, Iowa, Minnesota, Missouri and Nebraska. The Company also operates loan production offices in Indiana, Kansas, Michigan, New York, Ohio and Texas. Associated Bank, N.A. is an Equal Housing Lender, Equal Opportunity Lender and Member FDIC. More information about Associated Banc-Corp is available at www.associatedbank.com. FORWARD-LOOKING STATEMENTS Statements made in this presentation 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 future operations, products or services, and forecasts of its revenues, earnings, or other measures of performance. Such forward-looking statements may be identified by the use of words such as "believe," "expect," "anticipate," "plan," "estimate," "should," "intend," "target," "outlook," "project," "guidance," "forecast," or similar expressions. Forward-looking statements are based on current management expectations and, by their nature, are subject to risks and uncertainties. Actual results may differ materially from those contained in the forward-looking statements. Factors which may cause actual results to differ materially from those contained in such forward-looking statements include those identified in the Company's most recent Form 10-K and subsequent Form 10-Qs and other SEC filings, and such factors are incorporated herein by reference. NON-GAAP FINANCIAL MEASURES This press release and related materials may contain references to measures which are not defined in generally accepted accounting principles ("GAAP"). Information concerning these non-GAAP financial measures can be found in the financial tables. Management believes these measures are meaningful because they reflect adjustments commonly made by management, investors, regulators, and analysts to evaluate the adequacy of earnings per common share, provide a greater understanding of ongoing operations and enhance comparability of results with prior periods. 8,387 76 %6,99816,00017,996Net interest income after provision for credit losses350,651296,18954,46218 %302,983289,223282,004Noninterest incomeWealth management fees26,21725,2199984 %25,74225,31523,025Service charges and deposit account fees15,86314,0541,80913 %13,82713,86113,147Card-based fees14,16111,5792,58222 %12,67912,30811,200Other fee-based revenue5,7584,86289618 %5,5575,4144,995Capital markets, net7,4766,54393314 %11,17510,7645,765Mortgage banking, net2,7776,111(3,334)(55) %2,9263,5414,213Bank and corporate owned life insurance4,6153,81679921 %3,8044,0514,135Asset gains (losses), net789840(51)(6) %8383,340(1,735)Investment securities gains (losses), net35(28)63N/M3717Other2,7072,861(154)(5) %2,7992,6702,226Total noninterest income80,39875,8574,5416 %79,38481,26566,977Noninterest expensePersonnel161,168135,17225,99619 %135,130135,703126,994Technology32,86729,7363,13111 %28,64128,59026,508Occupancy14,09113,7253663 %14,22912,75712,644Business development and advertising8,5487,8277219 %9,1188,3627,748Equipment5,4235,610(187)(3) %6,8884,3684,494Legal and professional17,4546,72110,733160 %5,9455,2326,674Loan and foreclosure costs1,5521,707(155)(9) %1,3271,6382,705FDIC assessment10,5958,8371,75820 %6,5899,9809,708Other intangible amortization6,8942,2034,691N/M2,2032,2032,203Other13,2907,6255,66574 %9,3967,3699,674Total noninterest expense271,882219,16352,71924 %219,466216,202209,352Income before income taxes159,167152,8836,2844 %162,901154,286139,629Income tax expense35,60333,2482,3557 %25,77229,55428,399Net income123,564119,6353,9293 %137,129124,732111,230Preferred stock dividends2,8752,875—— %2,8752,8752,875Net income available to common equity$ 120,689$ 116,760$ 3,9293 %$ 134,254$ 121,857$ 108,355Pre-tax pre-provision income(a)178,555163,88414,6719 %169,899170,286157,625Earnings per common shareBasic$ 0.64$ 0.70$ (0.06)(9) %$ 0.81$ 0.73$ 0.65Diluted$ 0.63$ 0.70$ (0.07)(10) %$ 0.80$ 0.73$ 0.65Average common shares outstandingBasic188,084165,09722,98714 %165,126165,029164,936Diluted189,899166,56123,33814 %166,746166,703166,343 Investor Contact:Ben McCarville, Senior Vice President, Director of Investor Relations920-491-7059Media Contact:Andrea Kozek, Vice President, Public Relations Senior Manager920-491-7518 View original content:https://www.prnewswire.com/news-releases/associated-banc-corp-reports-second-quarter-2026-earnings-of-0-63-per-common-share-or-0-73-per-common-share-excluding-nonrecurring-items-recognized-during-the-quarter-302833675.html

For the quarter ended June 2026, Associated Banc-Corp (ASB) reported revenue of $454.58 million, up 23.9% over the same period last year. EPS came in at $0.73, compared to $0.65 in the year-ago quarter. The reported revenue compares to the Zacks Consensus Estimate of $443.65 million, representing a surprise of +2.46%. The company delivered an EPS surprise of +1.39%, with the consensus EPS estimate being $0.72. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how Associated Banc-Corp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net charge offs / average loans: 0.3% compared to the 0.1% average estimate based on two analysts. Nonaccrual loans: $149.95 million versus the two-analyst average estimate of $126.83 million. Net Interest Margin: 3.2% compared to the 3.1% average estimate based on two analysts. Average Balance - Total earning assets and related interest income: $47.29 billion versus the two-analyst average estimate of $46.57 billion. Total Noninterest Income: $80.4 million versus the two-analyst average estimate of $79.8 million. Other income: $2.71 million versus $4.64 million estimated by two analysts on average. Capital markets, net: $7.48 million versus $7.08 million estimated by two analysts on average. Service charges and deposit accounts fees: $15.86 million compared to the $15.44 million average estimate based on two analysts. Wealth management fees: $26.22 million versus $25.73 million estimated by two analysts on average. Other fee-based revenue: $5.76 million compared to the $5.19 million average estimate based on two analysts. Mortgage banking, net: $2.78 million versus $6.13 million estimated by two analysts on average. Card-based fees: $14.16 million versus the two-analyst average estimate of $12.22 million. View all Key Company Metrics for Associated Banc-Corp here>>> Shares of Associated Banc-Corp have returned +0.9% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Associated Banc-Corp (ASB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Associated Banc-Corp (ASB) came out with quarterly earnings of $0.73 per share, beating the Zacks Consensus Estimate of $0.72 per share. This compares to earnings of $0.65 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +1.39%. A quarter ago, it was expected that this bank holding company would post earnings of $0.69 per share when it actually produced earnings of $0.7, delivering a surprise of +1.45%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Associated Banc-Corp, which belongs to the Zacks Banks - Midwest industry, posted revenues of $454.58 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 2.46%. This compares to year-ago revenues of $366.98 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Associated Banc-Corp shares have added about 19.2% since the beginning of the year versus the S&P 500's gain of 9.6%. While Associated Banc-Corp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Associated Banc-Corp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.75 on $454.64 million in revenues for the coming quarter and $2.91 on $1.74 billion in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Midwest is currently in the top 34% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, Eagle Bancorp Montana, Inc. (EBMT), is yet to report results for the quarter ended June 2026. This company is expected to post quarterly earnings of $0.50 per share in its upcoming report, which represents a year-over-year change of +22%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Eagle Bancorp Montana, Inc.'s revenues are expected to be $23.5 million, up 2.4% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Associated Banc-Corp (ASB) : Free Stock Analysis Report Eagle Bancorp Montana, Inc. (EBMT) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Wall Street analysts expect Associated Banc-Corp (ASB) to post quarterly earnings of $0.72 per share in its upcoming report, which indicates a year-over-year increase of 10.8%. Revenues are expected to be $443.65 million, up 20.9% from the year-ago quarter. Over the last 30 days, there has been an upward revision of 1.4% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe. Prior to a company's earnings announcement, it is crucial to consider revisions to earnings estimates. This serves as a significant indicator for predicting potential investor actions regarding the stock. Empirical research has consistently demonstrated a robust correlation between trends in earnings estimate revision and the short-term price performance of a stock. While investors typically use consensus earnings and revenue estimates as a yardstick to evaluate the company's quarterly performance, scrutinizing analysts' projections for some of the company's key metrics can offer a more comprehensive perspective. In light of this perspective, let's dive into the average estimates of certain Associated Banc-Corp metrics that are commonly tracked and forecasted by Wall Street analysts. The average prediction of analysts places 'Nonaccrual loans' at $126.83 million. The estimate is in contrast to the year-ago figure of $113.00 million. Analysts expect 'Net Interest Margin' to come in at 3.1%. Compared to the current estimate, the company reported 3.0% in the same quarter of the previous year. Analysts' assessment points toward 'Average Balance - Total earning assets and related interest income' reaching $46.57 billion. The estimate is in contrast to the year-ago figure of $40.07 billion. It is projected by analysts that the 'Total Noninterest Income' will reach $79.80 million. The estimate is in contrast to the year-ago figure of $66.98 million. The consensus among analysts is that 'Capital markets, net' will reach $7.08 million. The estimate compares to the year-ago value of $5.77 million. Analysts predict that the 'Service charges and deposit accounts fees' will reach $15.44 million. Compared to the present estimate, the company reported $13.15 million in the same quarter last year. The consensus estimate for 'Wealth management fees' stands at $25.73 million. Compared to the present estimate, the company reported $23.03 million in the same quarter last year. The combined assessment of analysts suggests that 'Other fee-based revenue' will likely reach $5.19 million. Compared to the current estimate, the company reported $5.00 million in the same quarter of the previous year. The collective assessment of analysts points to an estimated 'Mortgage banking, net' of $6.13 million. The estimate is in contrast to the year-ago figure of $4.21 million. According to the collective judgment of analysts, 'Card-based fees' should come in at $12.22 million. Compared to the present estimate, the company reported $11.20 million in the same quarter last year. Based on the collective assessment of analysts, 'Bank and corporate owned life insurance' should arrive at $3.90 million. The estimate compares to the year-ago value of $4.14 million. Analysts forecast 'Net Interest Income (FTE)' to reach $363.85 million. Compared to the present estimate, the company reported $304.23 million in the same quarter last year. View all Key Company Metrics for Associated Banc-Corp here>>> Over the past month, Associated Banc-Corp shares have recorded returns of +3.6% versus the Zacks S&P 500 composite's +0.3% change. Based on its Zacks Rank #3 (Hold), ASB will likely exhibit a performance that aligns with the overall market in the upcoming period. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> . Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Associated Banc-Corp (ASB) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Associated Banc-Corp (ASB) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The earnings report, which is expected to be released on July 23, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This bank holding company is expected to post quarterly earnings of $0.72 per share in its upcoming report, which represents a year-over-year change of +10.8%. Revenues are expected to be $443.65 million, up 20.9% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 1.35% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For Associated Banc-Corp, the Most Accurate Estimate is the same as the Zacks Consensus Estimate, suggesting that there are no recent analyst views which differ from what have been considered to derive the consensus estimate. This has resulted in an Earnings ESP of 0%. On the other hand, the stock currently carries a Zacks Rank of #3. So, this combination makes it difficult to conclusively predict that Associated Banc-Corp will beat the consensus EPS estimate. While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that Associated Banc-Corp would post earnings of $0.69 per share when it actually produced earnings of $0.70, delivering a surprise of +1.45%. Over the last four quarters, the company has beaten consensus EPS estimates four times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. Associated Banc-Corp doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Enterprise Financial Services (EFSC), another stock in the Zacks Banks - Midwest industry, is expected to report earnings per share of $1.35 for the quarter ended June 2026. This estimate points to a year-over-year change of -1.5%. Revenues for the quarter are expected to be $188.23 million, up 8.6% from the year-ago quarter. Over the last 30 days, the consensus EPS estimate for Enterprise Financial Services has been revised 1.2% up to the current level. Nevertheless, the company now has an Earnings ESP of -0.74%, reflecting a lower Most Accurate Estimate. This Earnings ESP, combined with its Zacks Rank #3 (Hold), makes it difficult to conclusively predict that Enterprise Financial Services will beat the consensus EPS estimate. Over the last four quarters, the company surpassed consensus EPS estimates two times. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Associated Banc-Corp (ASB) : Free Stock Analysis Report Enterprise Financial Services Corporation (EFSC) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

GREEN BAY, Wis., June 23, 2026 /PRNewswire/ -- Associated Banc-Corp (NYSE: ASB) today announced it expects to release second quarter 2026 financial results on Thursday, July 23, 2026, after market close. The Company also expects to host a conference call for investors and analysts at 4:00 p.m. Central Time (CT) on the same day. Interested parties can access the live webcast of the call through the Investor Relations section of the Company's website, http://investor.associatedbank.com. Parties may also dial into the call at 877-407-8037 (domestic) or 201-689-8037 (international) and request the Associated Banc-Corp second quarter 2026 earnings call. The financial tables and an accompanying slide presentation are expected to be available on the Company's website just prior to the call. An audio archive of the webcast is expected to be available on the Company's website approximately fifteen minutes after the call is over. ABOUT ASSOCIATED BANC-CORPAssociated Banc-Corp (NYSE: ASB) has total assets of approximately $50 billion and is the largest bank holding company based in Wisconsin. Headquartered in Green Bay, Wisconsin, Associated is a leading Midwest banking franchise, offering a full range of financial products and services from over 200 banking locations throughout Wisconsin, Illinois, Iowa, Minnesota, Missouri and Nebraska. The Company also operates loan production offices in Indiana, Kansas, Michigan, New York, Ohio and Texas. Associated Bank, N.A. is an Equal Housing Lender, Equal Opportunity Lender and Member FDIC. More information about Associated Banc-Corp is available at www.associatedbank.com. FORWARD-LOOKING STATEMENTSStatements made in this presentation 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 future operations, products or services, and forecasts of its revenues, earnings, or other measures of performance. Such forward-looking statements may be identified by the use of words such as "believe," "expect," "anticipate," "plan," "estimate," "should," "intend," "target," "outlook," "project," "guidance," "forecast," or similar expressions. Forward-looking statements are based on current management expectations and, by their nature, are subject to risks and uncertainties. Actual results may differ materially from those contained in the forward-looking statements. Factors which may cause actual results to differ materially from those contained in such forward-looking statements include those identified in the Company's most recent Form 10-K and subsequent Form 10-Qs and other SEC filings, and such factors are incorporated herein by reference. Investor Contact: Ben McCarvilleSenior Vice President | Director of Investor Relations920-491-7059 | [email protected] Media Contact: Andrea KozekVice President | Senior Manager, Public Relations920-491-7518 | [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/associated-banc-corp-to-announce-second-quarter-2026-earnings-and-hold-conference-call-on-july-23-2026-302807806.html