<ul>
<li>标普下调 5 家银行评级：这对市场意味着什么？</li>
</ul>
<p>Associated Banc NYSE: ASB 在其 2026 年年度股东大会上强调了多年的战略进展、近期的财务表现和增长举措，同时股东批准了所有提案，包括董事选举、管理层薪酬和审计师确认。</p>
<p>获取 <strong>Associated Banc</strong> 的提醒：</p>
<h2>公司概述战略进展和增长势头</h2>
<p>总裁兼首席执行官安迪·哈门宁在会议上表示，他在首席执行官职位上已满五年，并表示公司一直在执行一项旨在通过 “可持续的有机增长势头和改善盈利能力” 来增强其特许经营的战略计划。他表示，银行在领导力和人才方面进行了投资，提升了其消费者和小企业的价值主张，扩展了商业能力，并重新调整了资产负债表，以减少对 “低收益非客户住宅抵押贷款和高成本批发融资来源” 的依赖。</p>
<p>在消费者方面，哈门宁表示，银行已现代化其数字银行体验，推出了大众富裕计划，升级了产品，并增加了包括提前支付和信用监控在内的功能。他表示，这些努力帮助逆转了 “多年来净客户流失的逆风”，并指出 2024 年净主要支票家庭增长 1%，2025 年增长 1.5%，预计 2026 年增长 2%。</p>
<h2>商业增长、利润改善和信贷纪律</h2>
<p>哈门宁表示，Associated 通过增加领导角色、推出新垂直领域以及在密尔沃基、芝加哥、双子城和堪萨斯城等关键增长市场增加关系经理数量 44% 来扩展其商业平台。他表示，公司在去年 3 月在堪萨斯城开设了一家新的商业和工业办公室。</p>
<p>他报告称，2024 年商业和工业贷款增长超过 8 亿美元，2025 年超过 12 亿美元，预计 2026 年再增长 12 亿美元。他表示，自 2020 年以来，商业和工业贷款增长超过 40 亿美元，增幅超过 50%，因为关系型商业和工业贷款取代了低收益的非关系型住宅抵押贷款余额。</p>
<p>哈门宁表示，自 2020 年以来，公司减少了 11 个百分点的抵押贷款集中度，持续的组合转变有助于改善盈利能力，包括 2025 年连续三个季度创下的净利息收入记录，以及全年净利息利润率超过 3%，比 2020 年高出 50 个基点。他补充说，资本生成改善，CET1 比率自 2023 年第四季度以来上升了 100 个基点以上。</p>
<p>他还指出了费用纪律，表示调整后的效率比率从 2020 年到 2025 年下降了 700 多个基点，而可持续普通股权益回报率在 2025 年上升至 13.6%，并在 2025 年第四季度超过 15%。在信贷方面，他表示 2025 年的净冲销为 12 个基点，“远低于 2023 年提供的 35 个基点目标。” 哈门宁表示，2025 年创造了 “公司历史上最强的净收入”。</p>
<h2>第一季度更新和美国国家收购</h2>
<p>哈门宁表示，银行报告第一季度收益为 1.17 亿美元，比去年同期增长 18%。他说，本季度包括超过 5 亿美元的商业和工业贷款增长，家庭年化增长 2.2%，年化净冲销为 7 个基点。</p>
<p>他还讨论了 Associated 于 4 月 1 日完成对美国国家公司的收购。哈门宁表示，此次合并为内布拉斯加州、爱荷华州和双子城带来了新客户和同事，预计该合作关系将补充并加速在奥马哈和双子城等市场的增长。他表示，公司预计将在今年第三季度末完成转换过程。</p>
<h2>2026 年增长投资：市场营销、新办公室和新垂直领域</h2>
<p>展望未来，哈门宁表示，Associated 正在 “加倍” 在大都市地区的增长，确定双子城、奥马哈、堪萨斯城和达拉斯为优先区域。他表示，公司将在更广泛的区域内增加 25% 的收购营销支出，在双子城和奥马哈的支出增加超过 100%。</p>
<p>他还描述了扩展商业能力的步骤。在第一季度为堪萨斯城团队增加三名同事后，哈门宁表示，Associated 在达拉斯推出了新的商业和工业办公室，市场领导者已被聘用，关系经理的招聘预计将在 5 月开始。他还表示，公司最近宣布了 “一个新的全国性特许经营银行垂直领域”，并计划在一年内将商业关系经理增加 10%。</p>
<h2>股东投票和治理更新</h2>
<p>董事会主席杰伊·威廉姆斯表示，截至会议上午 10:00，超过 87% 的股份通过代理投票。总法律顾问兼公司秘书兰迪·埃里克森报告称，每位董事提名人获得了超过 93% 的投票支持。埃里克森还表示，超过 96% 的投票支持对管理层薪酬的咨询批准，超过 97% 的投票确认了 KPMG 作为公司 2026 年财务报表的审计师。</p>
<p>威廉姆斯正式欢迎新董事会成员温德·科图克，并表彰退休董事 R. Jay Gerken、Robert A. Jeffe 和 Gale E. Klappa。他表示，公司将向每位退休董事选择的慈善组织捐赠 25,000 美元。</p>
<p>在问答环节中，埃里克森回答了关于公司为何不提供年度会议现场选项的问题，表示 Associated 认为完全虚拟的会议将 “提供更广泛的访问、更好的沟通和成本节约”，并符合股东的最佳利益。</p>
<h2>关于 Associated Banc NYSE: ASB</h2>
<p>东兴银行（Associated Banc-Corp）通过其主要子公司东兴银行（Associated Bank, N.A.）是一家总部位于威斯康星州格林贝的区域金融服务公司。该银行在中西部地区运营超过 200 家分行，为个人、小型企业和商业客户提供以社区为中心的银行解决方案。其对个性化服务和区域决策的重视支持了长期的客户关系。</p>
<p>在消费领域，东兴银行提供支票和储蓄账户、住宅抵押贷款、房屋净值信用额度、汽车融资和信用卡产品。</p>
<h2>了解更多</h2>
<ul>
<li>我们更看好的五只股票超过东兴银行</li>
</ul>
<p><em>此即时新闻提醒由叙事科学技术和来自 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com。</em></p>
<h2>你现在应该投资 1,000 美元在东兴银行吗？</h2>
<p>在你考虑东兴银行之前，你需要听听这个。</p>
<p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师正在悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前...而东兴银行并不在名单上。</p>
<p>虽然东兴银行目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
<p>在这里查看这五只股票</p>

ANG.PRA

ANG-A

<p>Associated Banc（纽约证券交易所代码：ASB）在其 2026 年年度股东大会上报告了 2025 年的创纪录收入，股东们批准了所有提案，包括董事选举和高管薪酬。首席执行官 Andy Harmening 强调了战略进展，包括专注于可持续增长、改善盈利能力以及向商业贷款的转变。该银行预计商业和工业贷款将持续增长，并计划在关键大都市地区进行大量市场营销和新办公室的投资。会议还确认成功收购了 American National Corporation，增强了银行的客户基础和市场影响力</p>

<ul>
<li>S&amp;P Downgrades 5 Banks: What Does It Mean For The Market?</li>
</ul>
<div class="lb-trans"><ul>
<li>标普下调 5 家银行评级：这对市场意味着什么？</li>
</ul>
</div><p>Associated Banc NYSE: ASB highlighted multi-year strategic progress, recent financial performance, and growth initiatives during its 2026 Annual Shareholder Meeting, while shareholders approved all proposals presented, including director elections, executive compensation, and auditor ratification.</p>
<div class="lb-trans"><p>Associated Banc NYSE: ASB 在其 2026 年年度股东大会上强调了多年的战略进展、近期的财务表现和增长举措，同时股东批准了所有提案，包括董事选举、管理层薪酬和审计师确认。</p>
</div><p>Get <strong>Associated Banc</strong> alerts:</p>
<div class="lb-trans"><p>获取 <strong>Associated Banc</strong> 的提醒：</p>
</div><h2>Company outlines strategic progress and growth momentum</h2>
<div class="lb-trans"><h2>公司概述战略进展和增长势头</h2>
</div><p>President and Chief Executive Officer Andy Harmening, speaking during the meeting, marked his five-year anniversary in the CEO role and said the company has been executing a strategic plan aimed at strengthening its franchise through “sustainable organic growth momentum and improved profitability.” He said the bank has invested in leadership and talent, enhanced its consumer and small business value proposition, expanded commercial capabilities, and repositioned the balance sheet to reduce reliance on “low-yielding non-customer Resi mortgage loans and higher-cost wholesale funding sources.”</p>
<div class="lb-trans"><p>总裁兼首席执行官安迪·哈门宁在会议上表示，他在首席执行官职位上已满五年，并表示公司一直在执行一项旨在通过 “可持续的有机增长势头和改善盈利能力” 来增强其特许经营的战略计划。他表示，银行在领导力和人才方面进行了投资，提升了其消费者和小企业的价值主张，扩展了商业能力，并重新调整了资产负债表，以减少对 “低收益非客户住宅抵押贷款和高成本批发融资来源” 的依赖。</p>
</div><p>On the consumer side, Harmening said the bank has modernized its digital banking experience, launched a mass affluent program, upgraded products, and added features including early pay and credit monitoring. He said these efforts have helped reverse “a multiyear headwind of net customer attrition” into a tailwind, citing net primary checking household growth of 1% in 2024 and 1.5% in 2025, with 2% growth expected for 2026.</p>
<div class="lb-trans"><p>在消费者方面，哈门宁表示，银行已现代化其数字银行体验，推出了大众富裕计划，升级了产品，并增加了包括提前支付和信用监控在内的功能。他表示，这些努力帮助逆转了 “多年来净客户流失的逆风”，并指出 2024 年净主要支票家庭增长 1%，2025 年增长 1.5%，预计 2026 年增长 2%。</p>
</div><h2>Commercial growth, margin improvement, and credit discipline</h2>
<div class="lb-trans"><h2>商业增长、利润改善和信贷纪律</h2>
</div><p>Harmening said Associated has expanded its commercial platform by adding leadership roles, launching new verticals, and increasing relationship managers by 44% in key growth markets including Milwaukee, Chicago, the Twin Cities, and Kansas City. He said the company opened a new C&amp;I office in Kansas City in March of last year.</p>
<div class="lb-trans"><p>哈门宁表示，Associated 通过增加领导角色、推出新垂直领域以及在密尔沃基、芝加哥、双子城和堪萨斯城等关键增长市场增加关系经理数量 44% 来扩展其商业平台。他表示，公司在去年 3 月在堪萨斯城开设了一家新的商业和工业办公室。</p>
</div><p>He reported commercial and industrial loan growth of more than $800 million in 2024 and more than $1.2 billion in 2025, with an expectation of another $1.2 billion in growth in 2026. Since 2020, he said C&amp;I loans have grown by over $4 billion, a more than 50% increase, as relationship C&amp;I loans replace lower-yielding non-relationship residential mortgage balances.</p>
<div class="lb-trans"><p>他报告称，2024 年商业和工业贷款增长超过 8 亿美元，2025 年超过 12 亿美元，预计 2026 年再增长 12 亿美元。他表示，自 2020 年以来，商业和工业贷款增长超过 40 亿美元，增幅超过 50%，因为关系型商业和工业贷款取代了低收益的非关系型住宅抵押贷款余额。</p>
</div><p>Harmening said the company reduced its concentration of mortgage loans by 11 percentage points since 2020 and that the ongoing mix shift contributed to improved profitability, including “three consecutive quarters of record NII” in 2025 and a net interest margin above 3% for the year, 50 basis points higher than 2020. He added that capital generation improved, with a CET1 ratio up more than 100 basis points since the fourth quarter of 2023.</p>
<div class="lb-trans"><p>哈门宁表示，自 2020 年以来，公司减少了 11 个百分点的抵押贷款集中度，持续的组合转变有助于改善盈利能力，包括 2025 年连续三个季度创下的净利息收入记录，以及全年净利息利润率超过 3%，比 2020 年高出 50 个基点。他补充说，资本生成改善，CET1 比率自 2023 年第四季度以来上升了 100 个基点以上。</p>
</div><p>He also pointed to expense discipline, saying the adjusted efficiency ratio declined by over 700 basis points from 2020 to 2025, while return on tangible common equity increased to 13.6% in 2025 and rose above 15% in the fourth quarter of 2025. On credit, he said net charge-offs were 12 basis points in 2025, “well below the 35 basis points target provided in 2023.” Harmening said 2025 produced “the strongest net income in company history.”</p>
<div class="lb-trans"><p>他还指出了费用纪律，表示调整后的效率比率从 2020 年到 2025 年下降了 700 多个基点，而可持续普通股权益回报率在 2025 年上升至 13.6%，并在 2025 年第四季度超过 15%。在信贷方面，他表示 2025 年的净冲销为 12 个基点，“远低于 2023 年提供的 35 个基点目标。” 哈门宁表示，2025 年创造了 “公司历史上最强的净收入”。</p>
</div><h2>First-quarter update and American National acquisition</h2>
<div class="lb-trans"><h2>第一季度更新和美国国家收购</h2>
</div><p>Harmening said the bank reported first-quarter earnings of $117 million, an 18% increase from the same period a year earlier. He said the quarter included more than $500 million in C&amp;I loan growth, 2.2% annualized household growth, and 7 basis points of annualized net charge-offs.</p>
<div class="lb-trans"><p>哈门宁表示，银行报告第一季度收益为 1.17 亿美元，比去年同期增长 18%。他说，本季度包括超过 5 亿美元的商业和工业贷款增长，家庭年化增长 2.2%，年化净冲销为 7 个基点。</p>
</div><p>He also discussed the closing of Associated’s acquisition of American National Corporation on April 1. Harmening said the combination adds new customers and colleagues in Nebraska, Iowa, and the Twin Cities, and that the partnership is expected to complement and accelerate growth in markets such as Omaha and the Twin Cities. He said the company expects to complete the conversion process late in the third quarter of this year.</p>
<div class="lb-trans"><p>他还讨论了 Associated 于 4 月 1 日完成对美国国家公司的收购。哈门宁表示，此次合并为内布拉斯加州、爱荷华州和双子城带来了新客户和同事，预计该合作关系将补充并加速在奥马哈和双子城等市场的增长。他表示，公司预计将在今年第三季度末完成转换过程。</p>
</div><h2>2026 growth investments: marketing, new offices, and new verticals</h2>
<div class="lb-trans"><h2>2026 年增长投资：市场营销、新办公室和新垂直领域</h2>
</div><p>Looking ahead, Harmening said Associated is “doubling down” on metropolitan growth, identifying the Twin Cities, Omaha, Kansas City, and Dallas as priority areas. He said the company is increasing acquisition-focused marketing spend by 25% across the broader footprint and by more than 100% in the Twin Cities and Omaha.</p>
<div class="lb-trans"><p>展望未来，哈门宁表示，Associated 正在 “加倍” 在大都市地区的增长，确定双子城、奥马哈、堪萨斯城和达拉斯为优先区域。他表示，公司将在更广泛的区域内增加 25% 的收购营销支出，在双子城和奥马哈的支出增加超过 100%。</p>
</div><p>He also described steps to expand commercial capabilities. After adding three colleagues to the Kansas City team in the first quarter, Harmening said Associated launched a new C&amp;I office in Dallas, with the market leader hired and relationship manager hiring expected to begin in May. He also said the company recently announced “a new nationally focused franchise banking vertical” and is targeting a 10% increase in commercial relationship managers over the course of the year.</p>
<div class="lb-trans"><p>他还描述了扩展商业能力的步骤。在第一季度为堪萨斯城团队增加三名同事后，哈门宁表示，Associated 在达拉斯推出了新的商业和工业办公室，市场领导者已被聘用，关系经理的招聘预计将在 5 月开始。他还表示，公司最近宣布了 “一个新的全国性特许经营银行垂直领域”，并计划在一年内将商业关系经理增加 10%。</p>
</div><h2>Shareholder votes and governance updates</h2>
<div class="lb-trans"><h2>股东投票和治理更新</h2>
</div><p>Chairman of the Board Jay Williams said more than 87% of shares were represented by proxy as of 10:00 a.m. at the meeting. General Counsel and Corporate Secretary Randy Erickson reported that each director nominee received more than 93% of votes cast. Erickson also said more than 96% of votes cast supported the advisory approval of executive compensation, and more than 97% of votes cast ratified KPMG as auditor of the company’s 2026 financial statements.</p>
<div class="lb-trans"><p>董事会主席杰伊·威廉姆斯表示，截至会议上午 10:00，超过 87% 的股份通过代理投票。总法律顾问兼公司秘书兰迪·埃里克森报告称，每位董事提名人获得了超过 93% 的投票支持。埃里克森还表示，超过 96% 的投票支持对管理层薪酬的咨询批准，超过 97% 的投票确认了 KPMG 作为公司 2026 年财务报表的审计师。</p>
</div><p>Williams formally welcomed new board member Wende Kotouc and recognized retiring directors R. Jay Gerken, Robert A. Jeffe, and Gale E. Klappa. He said the company would make a $25,000 contribution to a charitable organization of each retiring director’s choice.</p>
<div class="lb-trans"><p>威廉姆斯正式欢迎新董事会成员温德·科图克，并表彰退休董事 R. Jay Gerken、Robert A. Jeffe 和 Gale E. Klappa。他表示，公司将向每位退休董事选择的慈善组织捐赠 25,000 美元。</p>
</div><p>During the Q&amp;A portion, Erickson addressed a question about why the company did not offer an in-person option for the annual meeting, saying Associated determined a completely virtual meeting would “provide expanded access, improved communication, and cost savings” and was in the best interest of shareholders.</p>
<div class="lb-trans"><p>在问答环节中，埃里克森回答了关于公司为何不提供年度会议现场选项的问题，表示 Associated 认为完全虚拟的会议将 “提供更广泛的访问、更好的沟通和成本节约”，并符合股东的最佳利益。</p>
</div><h2>About Associated Banc NYSE: ASB</h2>
<div class="lb-trans"><h2>关于 Associated Banc NYSE: ASB</h2>
</div><p>Associated Banc-Corp, through its primary subsidiary Associated Bank, N.A., is a regional financial services company headquartered in Green Bay, Wisconsin. The bank operates more than 200 branches across the Midwest, offering community-focused banking solutions for individuals, small businesses and commercial clients. Its emphasis on personalized service and regional decision-making supports long-standing customer relationships.</p>
<div class="lb-trans"><p>东兴银行（Associated Banc-Corp）通过其主要子公司东兴银行（Associated Bank, N.A.）是一家总部位于威斯康星州格林贝的区域金融服务公司。该银行在中西部地区运营超过 200 家分行，为个人、小型企业和商业客户提供以社区为中心的银行解决方案。其对个性化服务和区域决策的重视支持了长期的客户关系。</p>
</div><p>On the consumer side, Associated Bank provides checking and savings accounts, residential mortgages, home equity lines of credit, auto financing and credit card products.</p>
<div class="lb-trans"><p>在消费领域，东兴银行提供支票和储蓄账户、住宅抵押贷款、房屋净值信用额度、汽车融资和信用卡产品。</p>
</div><h2>Read More</h2>
<div class="lb-trans"><h2>了解更多</h2>
</div><ul>
<li>Five stocks we like better than Associated Banc</li>
</ul>
<div class="lb-trans"><ul>
<li>我们更看好的五只股票超过东兴银行</li>
</ul>
</div><p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p>
<div class="lb-trans"><p><em>此即时新闻提醒由叙事科学技术和来自 MarketBeat 的金融数据生成，以便为读者提供最快的报道和公正的覆盖。如对本故事有任何问题或意见，请发送邮件至 contact@marketbeat.com。</em></p>
</div><h2>Should You Invest $1,000 in Associated Banc Right Now?</h2>
<div class="lb-trans"><h2>你现在应该投资 1,000 美元在东兴银行吗？</h2>
</div><p>Before you consider Associated Banc, you'll want to hear this.</p>
<div class="lb-trans"><p>在你考虑东兴银行之前，你需要听听这个。</p>
</div><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Associated Banc wasn't on the list.</p>
<div class="lb-trans"><p>MarketBeat 每天跟踪华尔街顶级评级和表现最佳的研究分析师及其推荐给客户的股票。MarketBeat 已识别出五只顶级分析师正在悄悄建议客户现在购买的股票，以便在更广泛的市场注意到之前...而东兴银行并不在名单上。</p>
</div><p>While Associated Banc currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys.</p>
<div class="lb-trans"><p>虽然东兴银行目前在分析师中获得了中等买入评级，但顶级分析师认为这五只股票更值得购买。</p>
</div><p>View The Five Stocks Here</p>
<div class="lb-trans"><p>在这里查看这五只股票</p>
</div>

Associated Banc Shares 2026 Annual Meeting Highlights Record 2025 Income, Growth Plans, Votes Pass

Market Beat

American National Group Inc.

AMERICAN NATIONAL GROUP INC 5.95% DEP SH REP 1/1000 NON CUM PFD SE A

Associated Banc -Corp

标普全球

ASSOC Banc Pref Share ASBA 6.625 03/01/33

ASSOCIATED BANC-CORP 5.625% DEP SHS REP 1/40TH NON CU PF SR F

ASSOCIATED BANC-CORP 5.875%NON CUM DEP REP 1/40TH INT SER E

Associated Banc 股份公司 2026 年度会议亮点：2025 年创纪录的收入、增长计划及投票通过