BlastPoint's Banking Scorecard
Associated Bank, National Association
Large
Specialty: Commercial
WI
FDIC cert 5296
Green Bay, WI
69
banks in Large tier nationally
1 in WI
View Large leaderboard (WI) →
Associated Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47% in Large
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.1B
+5.1% YoY
+1.7% QoQ
|
-$29.7B |
$74.9B
-4.4% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$30.9B
+2.6% YoY
+0.7% QoQ
|
-$15.6B |
$46.4B
-2.1% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$35.6B
+2.1% YoY
+2.0% QoQ
|
-$24.8B |
$60.5B
-4.5% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.10%
+255.2% YoY
+4.5% QoQ
|
-0.09% |
1.19%
+17.8% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.01%
+8.1% YoY
+0.3% QoQ
|
-0.45% |
3.46%
+13.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
56.64%
-16.6% YoY
-0.6% QoQ
|
+1.62% |
55.03%
-2.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.34%
-20.9% YoY
-6.4% QoQ
|
-0.54% |
0.88%
-0.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
86.59%
+0.4% YoY
-1.3% QoQ
|
+4.87% |
81.72%
+3.9% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
17.28%
+3.8% YoY
+1.8% QoQ
|
-2.69% |
19.97%
+0.5% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.29%
-15.4% YoY
-7.0% QoQ
|
-0.26% |
0.55%
+9.0% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
10.52%
+4.0% YoY
+1.1% QoQ
|
-2.81% |
13.33%
-0.7% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Bottom 3% in tier |
| Non-Interest Income / Assets ? |
0.63%
+96.2% YoY
+37.4% QoQ
|
-0.46% |
1.09%
+2.4% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#9 of 18 · Top 47% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.34%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Capital Thin
risk
#6 of 18 · Bottom 29% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
10.52%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.88%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.55%
48
48th pctile
Total Loans
Current: $30.9B · Tier avg: $46.4B
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.59% · Tier avg: 81.72%
46
46th pctile
Total Assets
Current: $45.1B · Tier avg: $74.9B
46
46th pctile
Total Deposits
Current: $35.6B · Tier avg: $60.5B
43
43th pctile
Efficiency Ratio
Current: 56.64% · Tier avg: 55.03%
42
42th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
41
41th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.09%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 17.28% · Tier avg: 19.97%
23
23th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.46%
3
3th pctile
Tier 1 Capital Ratio
Current: 10.52% · Tier avg: 13.33%
Top Weaknesses
3
3th pctile
Tier 1 Capital Ratio
Current: 10.52% · Tier avg: 13.33%
23
23th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.46%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 17.28% · Tier avg: 19.97%
41
41th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.09%
42
42th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.19%
43
43th pctile
Efficiency Ratio
Current: 56.64% · Tier avg: 55.03%
46
46th pctile
Total Deposits
Current: $35.6B · Tier avg: $60.5B
46
46th pctile
Total Assets
Current: $45.1B · Tier avg: $74.9B
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.59% · Tier avg: 81.72%
48
48th pctile
Total Loans
Current: $30.9B · Tier avg: $46.4B
77
77th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.55%
86
86th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.88%