---
schema_version: "secwatch.filing_event.v1"
accession: "0000007789-23-000053"
form_type: "8-K"
ticker: "ASB"
cik: "0000007789"
company_name: "ASSOCIATED BANC-CORP"
filed_at: "2023-07-20T23:59:59+00:00"
generated_at: "2026-06-13T05:57:31.698892+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ASB Q2 net income $84M ($0.56 EPS); loan growth 2% QoQ; NIM 2.80%

## Summary
- Net income available to common equity of $84M ($0.56 EPS) vs $100M ($0.66) in Q1 2023 and $84M ($0.56) in Q2 2022.
- Net interest income $258M, down 6% QoQ; NIM compressed 27bp to 2.80%.
- Period-end loans $29.8B (+$642M QoQ); deposits $32.0B (+$1.7B QoQ).
- Provision for credit losses on loans $22M (vs $18M Q1) driven by loan growth; net charge-offs $11M.
- FY2023 guidance: NII growth 10-12%, core customer deposits expected to decline 3%, expense growth 3-4%.

## SEC filing metadata
- accession: 0000007789-23-000053
- form_type: 8-K
- ticker: ASB
- cik: 0000007789
- company_name: ASSOCIATED BANC-CORP
- filed_at: 2023-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/7789/000000778923000053/0000007789-23-000053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/7789/000000778923000053/asb-20230720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000007789-23-000053
- JSON: https://secwatch.observer/filing/0000007789-23-000053.json
- Plain text: https://secwatch.observer/filing/0000007789-23-000053.txt

## Key facts
- Earnings Releases
  ASSOCIATED BANC-CORP reported the quarter ended June 30, 2023 results: net income net income available to common equity ("earnings") of $84 million, EPS $0.56 per common share. Guidance reaffirmed.
  - Period: the quarter ended June 30, 2023
  - Net income: net income available to common equity ("earnings") of $84 million
  - EPS: $0.56 per common share
  - Guidance: reaffirmed
  - Result: reported results
  source text: Associated Banc-Corp Reports Second Quarter 2023 Net Income Available to Common Equity of $84 Million, or $0.56 per Common Share
  evidence_url: https://www.sec.gov/Archives/edgar/data/7789/000000778923000053/0000007789-23-000053-index.htm

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