UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 ASSOCIATED BANC-CORP (Exact name of registrant as specified in its charter) Wisconsin 39-1098068 (State or other jurisdiction of ...

Financial Data and Key Metrics Changes - The company reported a significant loan growth of $600 million in Q4, equating to a 10% annualized growth rate, despite intentional reductions in PPP and oil and gas portfolios [8][12][19] - Full year EPS reached $2.18, with net interest income increasing by $3 million from the prior quarter, driven by higher net-interest income across most segments [8][19] - Total non-interest expense for the full year was $710 million, down $66 million from the prior year, with Q4 expenses increasing by only 2% [9][24] Business Line Data and Key Metrics Changes - The commercial loan book grew by nearly $500 million in Q4, representing over a 13% annualized growth rate, with general commercial loans being the primary driver [10][12] - The new auto finance initiative added nearly $140 million in high-quality auto loans, with over 4,500 loans booked [11][12] - Credit card balances increased by 6% quarter-over-quarter, indicating growing consumer confidence [11] Market Data and Key Metrics Changes - Average deposits increased by nearly $1.7 billion in Q4, or 6% year-over-year, with growth concentrated in low-cost deposit categories [22] - The company expects full year auto finance loan growth of over $1.2 billion and total commercial loan growth of $750 million to $1 billion in 2022 [14][30] Company Strategy and Development Direction - The company is focused on expanding its commercial and small business segments, with a new commercial real estate office established in Houston [17] - A digital bank platform is set to pilot in Q2 2022, aimed at improving user experience through FinTech partnerships [18] - The company is committed to maintaining expense discipline while rolling out strategic initiatives, expecting non-interest expenses to be between $725 million and $740 million in 2022 [24][30] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the economic recovery, noting a strengthening economy and improving credit dynamics [6][7] - The company anticipates strong loan growth in 2022, supported by a positive economic backdrop and increased line utilization [14][30] - Management indicated that they expect to adjust provisions in line with loan growth and changing economic conditions [28][81] Other Important Information - The CFO, Chris Niles, announced his retirement after nearly 12 years, with a search for a successor underway [31][32] - The company has seen a steady decline in non-accrual loans, which decreased by 3% in Q4 and 38% year-over-year [19][28] Q&A Session Summary Question: Margin projection and rate hikes - Management indicated that the margin is expected to improve, with a target of reaching 2.50% and potentially moving towards 2.75% in the future, depending on rate hikes [36][39] Question: Outlook on revenue growth - Management confirmed that the revenue growth outlook remains consistent, with strong pipelines and initiatives on track [42][60] Question: Mortgage portfolio stability - Management expects stability in the mortgage portfolio as rates rise, with a proactive approach to home equity lending [51] Question: Provision adjustments - Management indicated that provisions may need to be adjusted upwards in line with loan growth, moving from a release to a build standpoint [81]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 ASSOCIATED BANC-CORP (Exact name of registrant as specified in its charter) Wisconsin 39-1098068 (State or other jurisdiction of ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: September 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 Associated Banc-Corp (Exact name of registrant as specified in its charter) Wisconsin 39-1098068 (Sta ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 Associated Banc-Corp (Exact name of registrant as specified in its charter) Wisconsin (State or other juri ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: March 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 Associated Banc-Corp (Exact name of registrant as specified in its charter) Wisconsin (State or other jur ...

| --- | --- | --- | |------------------------|------------------|-------------------------------------------------------| | | Trading symbol | Name of each exchange on which registered | | | ASB | The New York Stock Exchange | | Perp Pref Stock, Srs C | ASB PrC | The New York Stock Exchange | | Perp Pref Stock, Srs D | ASB PrD | The New York Stock Exchange | | Perp Pref Stock, Srs E | ASB PrE | The New York Stock Exchange | UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (M ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: September 30, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 Associated Banc-Corp (Exact name of registrant as specified in its charter) Wisconsin (State or other ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended: June 30, 2019 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 Associated Banc-Corp (Exact name of registrant as specified in its charter) Wisconsin (State or other juri ...

Table of Contents (920) 491-7500 (Registrant's telephone number, including area code) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) þ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-31343 | --- | --- | --- | |----------------- ...