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Regulatory Matters
12 Months Ended
Dec. 31, 2022
Banking and Thrift, Other Disclosure [Abstract]  
Regulatory Matters Regulatory Matters
Regulatory Capital Requirements
The Corporation and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation must meet specific capital guidelines that involve quantitative measures of the Corporation’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Corporation’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.
Quantitative measures established by regulation to ensure capital adequacy require the Corporation to maintain minimum amounts and ratios (set forth in the table below) of total and CET1 capital to risk-weighted assets, and of tier 1 capital to
average assets. Management believes, as of December 31, 2022 and 2021, that the Corporation meets all capital adequacy requirements to which it is subject.
For additional information on the capital requirements applicable for the Corporation and the Bank, please see Part I, Item 1.
As of December 31, 2022 and 2021, the most recent notifications from the OCC and the FDIC categorized the subsidiary bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the subsidiary bank must maintain minimum ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the institution’s category. The actual capital amounts and ratios of the Corporation and its significant subsidiary are presented below. No deductions from capital were made for interest rate risk in 2022 or 2021.
 ActualFor Capital Adequacy
Purposes
To Be Well Capitalized
Under Prompt Corrective
Action Provisions(a)
($ in Thousands)Amount
Ratio
Amount
Ratio
Amount
Ratio
As of December 31 , 2022
Associated Banc-Corp
Total capital$3,680,227 11.33 %$2,597,761  ≥8.00 %
Tier 1 capital3,229,690 9.95 %1,948,320  ≥6.00 %
CET13,035,578 9.35 %1,461,240  ≥4.50 %
Leverage3,229,690 8.59 %1,504,035 4.00 %
Associated Bank, N.A.
Total capital$3,594,845 11.09 %$2,593,900 8.00 %$3,242,374 10.00 %
Tier 1 capital3,243,349 10.00 %1,945,425  ≥6.00 %2,593,900 8.00 %
CET13,243,349 10.00 %1,459,068  ≥4.50 %2,107,543 6.50 %
Leverage3,243,349 8.63 %1,503,666 4.00 %1,879,583 5.00 %
As of December 31 , 2021
Associated Banc-Corp
Total capital$3,570,026 13.10 %$2,179,419 8.00 %
Tier 1 capital3,001,074 11.02 %1,634,564  ≥6.00 %
CET12,808,289 10.31 %1,225,923  ≥4.50 %
Leverage3,001,074 8.83 %1,359,299  ≥4.00 %
Associated Bank, N.A.
Total capital$3,243,672 11.93 %$2,175,689 8.00 %$2,719,611 10.00 %
Tier 1 capital2,923,881 10.75 %1,631,766 6.00 %2,175,689 8.00 %
CET12,923,881 10.75 %1,223,825  ≥4.50 %1,767,747 6.50 %
Leverage2,923,881 8.61 %1,358,041  ≥4.00 %1,697,551 5.00 %
(a) Prompt corrective action provisions are not applicable at the bank holding company level.