Company: ASB
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000007789-25-000179
Chunk: 275

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 8
Chunk 275
---
15,125,419 49 %Floating or adjustable rateCommercial and industrial$5,601,899 $47,150 $552 $— $5,649,600 18 %Commercial real estate — owner occupied681,931 3,103 — — 685,034 2 %Commercial and business lending6,283,830 50,253 552 — 6,334,634 20 %Commercial real estate — investor4,629,285 54 — — 4,629,340 15 %Real estate construction1,650,855 157 — — 1,651,013 5 %Commercial real estate lending6,280,140 212 — — 6,280,352 20 %Total commercial12,563,970 50,465 552 — 12,614,987 41 %Residential mortgage187,842 984,539 1,128,364 56 2,300,801 7 %Home equity660,709 459 — — 661,168 2 %Other consumer249,590 — — — 249,590 1 %Total consumer1,098,141 984,998 1,128,364 56 3,211,559 10 %Total floating or adjustable rate loans$13,662,111 $1,035,463 $1,128,916 $56 $15,826,546 51 %Total loans$19,047,155 $4,449,308 $3,266,724 $4,188,777 $30,951,964 100 %(a) Demand loans, past due loans, overdrafts, and credit cards are reported in the “Within 1 Year” category.

At September 30, 2025, $21.2 billion, or 69%, of the loans outstanding and $18.0 billion, or 90%, of the commercial loans outstanding were floating rate, adjustable rate, re-pricing within one year, or maturing within one year. 

Credit Risk

An active credit risk management process is used for commercial loans to ensure that sound and consistent credit decisions are made. Credit risk is controlled by detailed underwriting procedures, comprehensive loan administration, and periodic review of borrowers’ outstanding loans and commitments