Company: ASB
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000007789-25-000179
Chunk: 17

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 2
Chunk 17
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946 9 %Home equity698,112 2 %676,208 2 %654,140 2 %664,252 2 %651,379 2 %Other consumer308,126 1 %308,361 1 %310,940 1 %318,483 1 %262,806 1 %Total consumer10,906,167 35 %10,903,451 36 %10,843,499 36 %10,840,496 36 %11,426,214 38 %Total loans$30,951,964 100 %$30,607,605 100 %$30,294,127 100 %$29,768,586 100 %$29,990,897 100 %

The Corporation has long-term guidelines relative to the proportion of Commercial and Business, CRE, and Consumer loan commitments within the overall loan portfolio, with each targeted to represent 30% to 40% of the overall loan portfolio. The targeted long-term guidelines were unchanged during 2024 and the first nine months of 2025. Furthermore, certain sub-asset classes within the respective portfolios are further defined and dollar limitations are placed on these sub-portfolios. These guidelines and limits are reviewed quarterly and approved annually by the Enterprise Risk Committee of the Corporation’s Board of Directors. These guidelines and limits are designed to create balance and diversification within the loan portfolios.

60

The Corporation’s loan distribution and interest rate sensitivity as of September 30, 2025 are summarized in the following table:

Table 6 Loan Distribution and Interest Rate Sensitivity (Dollars in thousands)Within 1 Year(a)1-5 Years5-15 YearsOver 15 YearsTotal% of TotalFixed rateCommercial and industrial$4,563,797 $991,828 $361,950 $476 $5,918,051 19 %Commercial real estate — owner occupied95,192 277,223 92,490 — 464,905 2 %Commercial and business lending4,658,988 1,269,052 454,440 476 6,382,956 21 %Commercial real estate — investor435,231 287,719 17,151 — 740,102 2 %Real estate construction271,192 31,732 4