{"schema_version":"secwatch.filing_event.v1","accession":"0000007789-23-000069","form_type":"8-K","ticker":"ASB","cik":"0000007789","company_name":"ASSOCIATED BANC-CORP","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.988328+00:00","generated_at":"2026-06-09T21:21:40.183760+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Associated Banc-Corp Q3 EPS $0.53, down 5% QoQ and 15% YoY; NIM 2.71% down 9 bps","bullets":["Net income available to common equity of $80M ($0.53/sh); down from $84M ($0.56) in Q2 and $93M ($0.62) a year ago.","Total period-end deposits grew $109M to $32.1B; core customer deposits up over $500M; net interest margin compressed 9 bps to 2.71%.","Commercial loans up $68M to $18.5B, consumer loans up $276M to $11.7B; full-year loan growth guidance revised to 5%-6%.","Nonaccrual loans rose $37M to $169M (0.56% of total loans); net charge-offs $18M vs $11M in Q2; provision flat at $22M.","CET1 ratio 9.55%; 2023 guidance: NII growth 8-10%, noninterest income down 8-10%, expense growth 3-4%."],"urls":{"canonical":"https://secwatch.observer/filing/0000007789-23-000069","json":"https://secwatch.observer/filing/0000007789-23-000069.json","markdown":"https://secwatch.observer/filing/0000007789-23-000069.md","text":"https://secwatch.observer/filing/0000007789-23-000069.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/7789/000000778923000069/0000007789-23-000069-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/7789/000000778923000069/asb-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:21:40.183760+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"2fb6e69816e75aeabf7d23d7fbddf0c36f39ace6","claim":"ASSOCIATED BANC-CORP reported the quarter ended September 30, 2023 results: net income $80 million, or $0.53 per common share, EPS $0.53 per common share.","evidence_excerpt":"Associated Banc-Corp announced its earnings for the quarter ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/7789/000000778923000069/0000007789-23-000069-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$80 million, or $0.53 per common share"},{"label":"EPS","value":"$0.53 per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}