Associated Bank NA
Green Bay, Wisconsin · FDIC Cert #5296
Associated Bank NA is an FDIC-insured bank (Certificate #5296) with $41.6B in total assets and $32.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Green Bay, Wisconsin, the bank maintains a Tier 1 capital ratio of 9.98% (Well-Capitalized) and a nonperforming loan ratio of 0.54%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Associated Bank NA (FDIC cert 5296) is a large bank with $41.6B in total assets and $32.8B in deposits, headquartered in Green Bay, Wisconsin. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 9.98% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.54% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 20.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Associated Bank NA carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Associated Bank NA
- Total Assets
- $41.6B
- Total Deposits
- $32.8B
- Tier 1 Capital Ratio
- 9.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.54%
- Liquidity Ratio
- 20.87%
- Return on Assets
- 1.01%
- Headquarters
- Green Bay, Wisconsin
- FDIC Certificate
- #5296
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Associated Bank NA holds a Tier 1 capital ratio of 9.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Associated Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Associated Bank NA shows strong financial health indicators. With $41.6B in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Associated Bank NA Compares
Associated Bank NA’s Health Score of 70 is 3 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 9.98% Tier 1 capital ratio is 4.0 points below the US banking industry average near 14%. The 0.54% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 55 similarly-sized banks, the average Health Score is 78, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Associated Bank NA has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Associated Bank NA's Tier 1 capital ratio of 9.98% and nonperforming loan ratio of 0.54% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Associated Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5296). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Associated Bank NA holds $41.6B in total assets and $32.8B in total deposits. It is headquartered in Green Bay, Wisconsin (FDIC Certificate #5296).
Associated Bank NA has a Tier 1 capital ratio of 9.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.54%, and the return on assets is 1.01%.
Yes. Associated Bank NA is FDIC-insured (Certificate #5296). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Associated Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.