BlastPoint's Banking Scorecard

Associated Bank, National Association

$10B-$250B Specialty: Commercial WI FDIC cert 5296

Green Bay, WI

218 branches across WI · IL · MN · NE · IA · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in WI.
Deposits +17.3% year over year ($40.1B on the books).
Delinquency rate 0.43%.
Return on assets 1.05%.
Efficiency ratio 57.69% vs a 53.67% peer average.
Loan-to-deposit ratio 90.07% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in WI

View $10B-$250B leaderboard (WI) →

Associated Bank, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 25.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average
- Net Interest Margin 0.80% below tier average
- Efficiency Ratio 4.02% above tier average

Get updates when Associated Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$51.8B +17.8% YoY +13.7% QoQ	+$8.2B	$43.6B -13.8% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$36.1B +19.1% YoY +14.7% QoQ	+$8.2B	$28.0B -8.6% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$40.1B +17.3% YoY +12.1% QoQ	+$4.7B	$35.4B -14.0% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.05% +4.1% YoY -2.5% QoQ	-0.34%	1.39% +25.9% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	3.12% +5.0% YoY +5.1% QoQ	-0.80%	3.92% +8.9% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	57.69% -0.3% YoY +2.1% QoQ	+4.02%	53.67% -1.9% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.43% -0.1% YoY +16.9% QoQ	-0.59%	1.01% -2.8% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	90.07% +1.5% YoY +2.4% QoQ	+7.46%	82.61% +3.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	17.54% +3.3% YoY +2.2% QoQ	-3.04%	20.58% +4.9% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	32%
Nonperforming Asset Ratio ?	0.36% -2.5% YoY +12.3% QoQ	-0.37%	0.73% +5.8% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	10.23% -0.8% YoY -2.7% QoQ	-5.12%	15.35% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Bottom 0.7% in tier
Non-Interest Income / Assets ?	0.30% +8.2% YoY +80.4% QoQ	-0.19%	0.50% +10.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	17.5% +0.6pp YoY +0.4pp QoQ	-3.5pp	21.0%	18.9%	22.2%	29%
Brokered Deposits	12.3% -2.5pp YoY -0.4pp QoQ	+3.1pp	9.2%	9.2%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	26.6% 0.0pp YoY -0.5pp QoQ	+9.4pp	17.2%	10.5%	12.5%	85%
CRE	29.3% +1.6pp YoY +2.1pp QoQ	-12.7pp	42.0%	46.4%	41.4%	25%
1-4 Family	21.4% -4.1pp YoY -2.5pp QoQ	-1.7pp	23.1%	32.3%	31.3%	46%
Consumer	12.4% +1.6pp YoY +1.4pp QoQ	-0.5pp	12.9%	2.6%	5.0%	78%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	10.2% -0.1pp YoY -0.3pp QoQ	-5.0pp	15.3%	15.5%	19.7%	0%
Leverage Ratio	8.4% +0.1pp YoY -0.2pp QoQ	-2.0pp	10.4%	12.6%	12.6%	11%
Total Capital Ratio	12.0% -0.3pp YoY -0.4pp QoQ	-4.5pp	16.5%	16.6%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	4,337 +334 (+8.3%) YoY +404 (+10.3%) QoQ	+1,079	3,258	134	482	81%
Assets per Employee ($)	$11.9M +8.7% YoY +3.1% QoQ	-$15.1M	$27.0M	$8.2M	$8.8M	48%
Branch Count	218 +31 (+16.6%) YoY +31 (+16.6%) QoQ	+80	137	9	18	81%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.4%	0.4%	28%
Nonaccrual	0.4% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.7%	0.9%	1.0%	28%
Allowance Coverage	2.88x -1.0% YoY -14.2% QoQ	+0.07x	2.81x	56.89x	20.23x	77%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY +0.1pp QoQ	-0.3pp	0.4%	0.0%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	9.9% +0.3pp YoY -0.2pp QoQ	-2.7pp	12.6%	11.8%	11.6%	39%
Cost of Funds (YTD)	2.2% -0.3pp YoY +0.1pp QoQ	+0.2pp	2.0%	1.8%	1.7%	65%
Net Income ($, YTD)	$248.3M +14.0% YoY — QoQ	-$48.6M	$296.8M	$7.9M	$40.4M	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#10 of 35 • Top 25.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.43%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.43%

Peer Median: 1.01%

#28 of 138 Top 19.6% in $10B-$250B

Total Loans

size

Value: $36.13B

Peer Median: $27.97B

#31 of 139 Top 21.6% in $10B-$250B

Total Assets

size

Value: $51.76B

Peer Median: $43.60B

#32 of 139 Top 22.3% in $10B-$250B

Total Deposits

size

Value: $40.12B

Peer Median: $35.42B

#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (2 metrics)

139

Tier 1 Capital Ratio

capital

Value: 10.23%

Peer Median: 15.35%

#139 of 139 Bottom 0.7% in $10B-$250B

107

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.92%

#107 of 139 Bottom 23.7% in $10B-$250B