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

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

Associated Bank, National Association has 1 strength but faces 4 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 41.2% in tier

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.3% in tier
- ROA 0.21% below tier average
- Net Interest Margin 0.80% below tier average
- Efficiency Ratio 2.51% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$45.5B +5.3% YoY +0.9% QoQ	-$1.4B	$47.0B -1.9% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$31.5B +5.1% YoY +2.1% QoQ	+$2.1B	$29.4B -0.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$35.8B +1.6% YoY +0.5% QoQ	-$2.6B	$38.4B -1.6% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.07% +10.9% YoY -2.4% QoQ	-0.21%	1.28% +18.7% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	2.97% +1.7% YoY -1.2% QoQ	-0.80%	3.77% +5.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	56.52% -5.3% YoY -0.2% QoQ	+2.51%	54.01% -3.7% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.36% -22.2% YoY +7.5% QoQ	-0.65%	1.02% -3.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	87.99% +3.4% YoY +1.6% QoQ	+7.20%	80.79% +1.9% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	17.17% -1.7% YoY -0.7% QoQ	-2.87%	20.04% +0.2% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.32% -14.7% YoY +10.2% QoQ	-0.40%	0.72% +4.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	10.52% +2.6% YoY -0.0% QoQ	-5.00%	15.51% -0.4% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 1.5% in tier
Non-Interest Income / Assets ?	0.17% +30.5% YoY -73.6% QoQ	-0.06%	0.22% +0.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	50%

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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

#15 of 34 • Top 41.2% in tier

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

Why this signature

Delinquency Rate: 0.36%

(Tier: 1.02%, National: 0.95%)

better than tier avg

34 of 34 Large banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Capital Thin

risk

#6 of 35 • Bottom 14.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.52%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 137 peers in $10B-$250B

Top Strengths (1 metrics)

Delinquency Rate

credit_quality

Value: 0.36%

Peer Median: 1.02%

#28 of 136 Top 19.9% in $10B-$250B

Top Weaknesses (2 metrics)

136

Tier 1 Capital Ratio

capital

Value: 10.52%

Peer Median: 15.51%

#136 of 137 Bottom 1.5% in $10B-$250B

106

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.77%

#106 of 137 Bottom 23.4% in $10B-$250B