Total Assets
$45.1B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$35.6B
Customer-funded liabilities
Net Loans
$30.9B
Outstanding loan book
Net Income
$483M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
10.44%
Efficiency Ratio
56.64%
What the numbers say about Associated Bank, National Association
Associated Bank, National Association is an FDIC-insured institution (Certificate #5296) headquartered in Green Bay, Wisconsin, established in 1874. It holds $45.1B in total assets - 54th of 4,313 FDIC-insured banks, $35.6B in customer deposits, and $30.9B in net loans. Capital-wise, the Tier 1 ratio sits at 10.52%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.02%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Associated Bank, National Association sits in the top decile of all FDIC-insured institutions by asset size (54th of 4,313), and within Wisconsin it ranks 1st of 155 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Nicolet National Bank, at $9.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Wisconsin by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Associated Bank, National Association's health grade?▼
Associated Bank, National Association receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Associated Bank, National Association?▼
Associated Bank, National Association holds $45.1B in total assets and $35.6B in deposits, ranking 54th of 4,313 FDIC-insured banks by asset size. It is headquartered in Green Bay, Wisconsin.
Is my money safe at Associated Bank, National Association?▼
Yes, deposits at Associated Bank, National Association (Certificate #5296) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Associated Bank, National Association's Tier 1 Capital Ratio?▼
Associated Bank, National Association has a Tier 1 Capital Ratio of 10.52%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Associated Bank, National Association?▼
Associated Bank, National Association has a Texas Ratio of 2.02%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Associated Bank, National Association?▼
Associated Bank, National Association has an Efficiency Ratio of 56.64%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Associated Bank, National Association's profile as a depositor or analyst.
- Associated Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Associated Bank, National Association against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.