Company: ASB
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000007789-25-000179
Chunk: 295

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 8
Chunk 295
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, and compliance with regulatory requirements. The assessment of overall capital adequacy depends on a variety of factors, including asset quality, liquidity, stability of earnings, changing competitive forces, economic conditions in markets served, and strength of management. At September 30, 2025, the capital ratios of the Corporation and its banking subsidiaries were in excess of regulatory minimum requirements. The Corporation’s capital ratios are summarized in the following table.

Compliance with regulatory minimum capital requirements is a tool used in assessing the Corporation's capital adequacy, but not determinative of how the Corporation would fare under extreme stress. Factors that may affect the adequacy of the Corporation's capital include the inherent limitations of fair value estimates and the assumptions thereof, the inherent limitations of the regulatory risk-weights assigned to various asset types, the inherent limitations of accounting classifications of certain investments and the effect on their measurement, external macroeconomic conditions and their effects on capital and the Corporation's ability to raise capital or refinance capital commitments, and the extent of steps taken by state or federal government authorities in periods of extreme stress. 

For additional information regarding the potential for additional regulation and supervision, see Part I, Item 1A, Risk Factors in the Corporation’s Annual Report on Form 10-K for the year ended December 31, 2024.

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Table 18 Capital Ratios YTDQuarter Ended (Dollars in thousands)Sep 30,2025Sep 30,2024Sep 30,2025Jun 30,2025Mar 31,2025Dec 31,2024Sep 30,2024Risk-based capital(a)CET1(b)$3,584,712 $3,493,316 $3,417,432 $3,396,836 $3,238,155 Tier 1 capital3,778,824 3,687,428 3,611,544 3,590,948 3,432,267 Total capital4,488,957 4,394,367 4,311,239 4,282,597 4,117,632 Total risk-weighted assets34,688,358 34,241,408 33,800,823 33,950,173 33,326,479 Modified CECL transitional amount— — — 22,425 22,425 CET1 capital ratio(b)10.33 %10.20 %10.11 %10.