ASB Associated Banc-Corp (ASB) Q3 FY26 earnings call
Associated Banc-Corp demonstrated strong organic growth in Q3 FY26, driven by consistent customer acquisition and core deposit inflows, which fueled net interest income and margin expansion. Despite elevated commercial loan payoffs and a rise in nonaccrual balances, the bank maintained solid credit trends and executed significant capital returns, positioning for continued profitability and strategic investments in metro markets.
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ASB operating KPIs by quarter
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Net interest margin | 3.03%With this in mind, our net interest margin decreased 3 basis points to 3.03% for the quarter as compared to the same period a year ago, our NIM increased 6 basis points.Source: earnings call transcript | 3.17%Our net interest margin increased 14 basis points to 3.17% for the quarter.Source: earnings call transcript | 3.2%In Q3, our net interest income increased by $7 million, while our net interest margin expanded by 3 basis points to 3.2%, our second best quarter in over a decade.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 10.47%On Slide 16, our CET1 ratio finished at 10.47% in Q1.Source: earnings call transcript | 10.47%On Slide 16, our CET1 ratio finished at 10.47% in Q2.Source: earnings call transcript | 10.38%Our CET1 ratio finished at 10.38%.Source: earnings call transcript | -0.1 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.