---
schema_version: "secwatch.filing_event.v1"
accession: "0000007789-23-000003"
form_type: "8-K"
ticker: "ASB"
cik: "0000007789"
company_name: "ASSOCIATED BANC-CORP"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:49:19.155356+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Associated Banc-Corp Q4 EPS $0.70; full-year net income $355M record

## Summary
- Net income available to common equity $106M ($0.70/sh), up from $0.49/sh in Q4 2021 and $0.62/sh in Q3 2022.
- Full-year 2022 EPS $2.34 vs $2.18 in 2021; record net income $355M.
- Net interest margin expanded 91 bps YoY to 3.31%; NII up 55% YoY in Q4.
- Loan growth of 19% YoY to $28.8B; guidance for 2023 loan growth 7-9%.
- Credit quality improved: nonaccrual loans down to 0.39% of total loans; net charge-offs down 82% YoY to $1M.

## SEC filing metadata
- accession: 0000007789-23-000003
- form_type: 8-K
- ticker: ASB
- cik: 0000007789
- company_name: ASSOCIATED BANC-CORP
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/0000007789-23-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/asb-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000007789-23-000003
- JSON: https://secwatch.observer/filing/0000007789-23-000003.json
- Plain text: https://secwatch.observer/filing/0000007789-23-000003.txt

## Key facts
- Earnings Releases
  ASSOCIATED BANC-CORP reported the year ended December 31, 2022 results: net income $355 million, EPS $2.34 per common share.
  - Period: the year ended December 31, 2022
  - Net income: $355 million
  - EPS: $2.34 per common share
  - Result: reported results
  source text: For the year ended December 31, 2022, the Company reported earnings of $355 million, or $2.34 per common share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/0000007789-23-000003-index.htm
- Earnings Releases
  ASSOCIATED BANC-CORP reported the quarter ended December 31, 2022 results: net income $106 million, EPS $0.70 per common share.
  - Period: the quarter ended December 31, 2022
  - Net income: $106 million
  - EPS: $0.70 per common share
  - Result: reported results
  source text: net income available to common equity ("earnings") of $106 million, or $0.70 per common share, for the quarter ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/7789/000000778923000003/0000007789-23-000003-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.