FDIC Cert #5296 · Green Bay, Wisconsin · Est. 1874

Associated Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$45.1B
Total assets
A
Health grade · Excellent
1.10%
Return on assets
10.5%
Tier 1 capital

Data updated July 2026

The verdict

Associated Bank, National Association earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.52% Tier 1, profitable at 1.10% ROA, efficient (57% cost ratio).

#54
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
10.52%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 5296 · WI A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1912/4307
  • PHOTO-FINISH JONES BANK · NE
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-PAR 1.10% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: JONES BANK, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Associated Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank, Natio… · IA ·…80/100Associated Bank, Nat… · WI ·…80/100Breda Savings Bank · IA · ne…80/100Farmers State Bank · KY · ne…80/100JONES BANK · NE · near80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Associated Bank · July 2026

Call Report read for Associated Bank in a high-failure state

Associated Bank, National Association (FDIC Cert #5296) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,912 of 4,307. Tier 1 capital prints at 10.52%, clearing the 10% well-capitalized line. The Texas Ratio is 2.02%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.10%. Balance-sheet scale is $45.1B, 54th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is JONES BANK (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Associated Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

Associated Bank, National Association sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Associated Bank, National Association's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How Associated Bank, National Association's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Associated Bank, National Association's composite health score
Tier 1 Capital Ratio (10.52%) 28/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (2.02%) 20/20
Efficiency Ratio (56.64%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$45.1B

Total balance-sheet footings

Total Deposits

$35.6B

Customer-funded liabilities

Net Loans

$30.9B

Outstanding loan book

Net Income

$483M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.12% 10.52% 11.92%
Basel III capital ratios - Associated Bank, National Association

Where Associated Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Associated Bank, National Association's score of 80/100 falls in the highlighted band.

Associated Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Associated Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Associated Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Associated Bank, National Association's $45.1B falls in the highlighted band.

Capital & credit buffers at Associated Bank

Tier 1 capital ratio
Well-capitalized 10%

10.52% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.52%
Texas Ratio
2.02%
Equity Capital
$4.8B

What these ratios mean →

Earnings posture at Associated Bank

Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.44%
Efficiency Ratio
56.64%

What these mean →

Income & expense at Associated Bank

$2.2B
Interest Income
$285M
Non-Interest Income
$849M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Associated Bank, National Association reports a Texas Ratio of 2.02% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.02% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Associated Bank, National Association on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Associated Bank, National Association by assets

Measured strictly by total assets rather than geography, Associated Bank, National Association's closest national peers include EverBank, SoFi Bank, Raymond James Bank, Deutsche Bank Trust Company Americas, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Wisconsin. Averaged across this asset-matched cohort, return on assets runs 1.34% (Associated Bank, National Association is below that at 1.10%), the efficiency ratio averages 54.86% (Associated Bank, National Association runs higher at 56.64%), and Tier 1 capital averages 21.92% (Associated Bank, National Association holds less at 10.52%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $45.1B in assets, Associated Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Associated Bank, National Association nationally by total assets
  1. 1
    EverBank $46.0B

    Jacksonville, FL · Grade B

  2. 2
    SoFi Bank $46.6B

    Cottonwood Heights, UT · Grade A

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

  5. 5
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  6. 6
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Associated Bank, National Association (this bank) WI $45.1B 1.10% 56.64% 10.52%
EverBank, National Association FL $46.0B 0.72% 56.37% 12.37%
SoFi Bank, National Association UT $46.6B 1.96% 68.09% 16.44%
Raymond James Bank FL $43.4B 1.47% 37.33% 13.95%
Deutsche Bank Trust Company Americas NY $43.0B 1.86% 45.65% 56.62%
Barclays Bank Delaware DE $47.6B 0.87% 64.66% 13.63%
MidFirst Bank OK $41.4B 1.19% 57.08% 18.53%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($45.1B here), outside Wisconsin so the neighborhood is not state containment.

EverBank $46.0B · FL SoFi Bank $46.6B · UT Raymond James Bank $43.4B · FL Deutsche Bank Trust Company Americas $43.0B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Associated Bank, National Association (FDIC Cert #5296) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Associated Bank, National Association Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
Nicolet National BankGreen Bay $9.2B A 1.66%
Johnson BankRacine $7.2B A 1.07%
Town Bank, National AssociationHartland $4.5B A 1.27%
Bank First, N.A.Manitowoc $4.5B A 1.64%
First Business BankMadison $4.1B B 1.36%
John Deere Financial, f.s.b.Middleton $3.4B A 3.87%
Lake Ridge BankMiddleton $3.3B B 0.98%
National Exchange Bank and TrustFond Du Lac $2.9B A 1.50%