Company: ASB
Filing Date: 2025-10-28
Form Type: 10-Q
Source: 0000007789-25-000179
Chunk: 167

Company: ASSOCIATED BANC-CORP
Filing Date: 2025-10-28
Form: 10-Q
Item: Part I, Item 1
Chunk 167
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 Total ACLL$414,618 $411,791 $406,624 $402,322 $397,541 Loan balanceIndividually evaluated for impairment$19,282 $21,431 $46,065 $37,172 $41,938 Collectively evaluated for impairment30,932,683 30,586,174 30,248,062 29,731,414 29,948,958      Total loan balance$30,951,964 $30,607,605 $30,294,127 $29,768,586 $29,990,897 

(a) This ratio is annualized.

66

Table 12 Annualized Net (Charge Offs) Recoveries to Average LoansYTDQuarter Ended(In basis points)Sep 30,2025Sep 30,2024Sep 30,2025Jun 30,2025Mar 31,2025Dec 31,2024Sep 30,2024Net loan (charge offs) recoveriesCommercial and industrial(9)(58)(4)(7)(18)(9)(43)Commercial real estate — owner occupied— — — — — — — Commercial and business lending(9)(52)(4)(6)(16)(8)(39)Commercial real estate — investor(45)(12)(67)(61)(7)(51)— Real estate construction1 — — 3 1 — — Commercial real estate lending(33)(8)(49)(45)(5)(37)— Total commercial(18)(35)(20)(21)(12)(19)(23)Residential mortgage(1)(1)(1)(2)1 (1)(1)Auto finance(17)(26)(20)(9)(22)(26)(19)Home equity12 20 3 14 18 17 26 Other consumer(229)(223)(173)(244)(268)(208)(216)Total consumer(11)(10)(11)(10)(11)(11)(8)Total net charge offs(15)(25)(17)(17)(12)(16)(18)

Notable Contributions to the Change in the Allowance for Credit Losses on Loans

•Total nonaccrual loans decreased $17.1 million, or 14%, from December 31, 2024, and decreased $22.3 million, or