花旗银行2025年度报告

ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________Commission file number 001-31343 (Associated Banc-Corp) A.Full title of the plan and the address of the plan, if different from that of the issuer named below: ASSOCIATED BANC-CORP 401(k)& EMPLOYEE STOCK OWNERSHIP PLAN B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: ASSOCIATED BANC-CORP433 Main StreetGreen Bay, Wisconsin 54301 Report of Independent Registered Public Accounting Firm Financial Statements:Statements of Net Assets Available for BenefitsStatements of Changes in Net Assets Available for BenefitsNotes to Financial StatementsSupplemental Schedule: ASSOCIATED BANC-CORP401(k)& EMPLOYEE STOCK OWNERSHIP PLANStatements of Net Assets Available for Benefits ASSOCIATED BANC-CORP401(k) & EMPLOYEE STOCK OWNERSHIP PLANStatements of Changes in Net Assets Available for Benefits (1) Description of the Plan The following brief description of the Associated Banc-Corp 401(k)& Employee Stock Ownership Plan (the “Plan”) is provided for generalinformation. The Plan contains 401(k) provisions. Participants should refer to the summary plan description for a more complete description of thePlan’s provisions. Background Associated Banc-Corp (the “Corporation”) has established the Associated Banc-Corp 401(k)& Employee Stock Ownership Plan, a definedcontribution plan. The 401(k) provisions of the Plan provide for employee contributions complying with the provisions of Internal Revenue Code(the "Code") Section401(k) as well as discretionary employer matching contributions. The Plan is subject to the provisions of the Employee Participants Employees of the Corporation and its subsidiaries that have adopted the Plan are eligible to participate in the employer contribution provisions ofthe Plan if they were employed on the last day of the year (December 31) and they completed 1,000 hours of service during the calendar year(exceptions for death, disability, and retirement). Employees are eligible to participate in the employee 401(k) contribution portion of the Plan once In conjunction with the 401(k) provisions of the Plan, participants can elect to contribute an amount between 1% of their compensation and thelimitations ($23,500 for 2025 and $23,000 for 2024) of Section402(g) of the Code in increments of 1% to the Plan by means of regular payrolldeductions. Participants may contribute pre-tax 401(k) contributions, Roth 401(k) contributions or a combination of both. New plan participants areautomatically enrolled to contribute 5% of their annual compensation on a pre-tax basis. Participants can change this percentage at any time.Participants who have attained age 50 are eligible to make catch-up contributions in accordance with, and subject to the limitations ($7,500 for The Plan provides for a discretionary Corporation matching contribution. For 2025 and 2024, the discretionary match was equal to 100% of the first5% deferred for plan participants who met the allocation conditions. Vesting Participants are 100% vested in both employee and Corporation matching contributions to the Plan. Investment of Plan Assets At December31, 2025, participants could direct their accounts to be invested in the Associated Banc-Corp Common Stock Fund, 19 collective trustfunds and 14 mutual funds offered by the Plan as investment options. Plan assets are held in trust with Associated Trust Company, N.A. (the“Trustee”) a subsidiary of Associated Bank, N.A. (“the Bank”), which is a subsidiary of the Corporation. Participants can elect to invest in one ofthe aforementioned funds or in 1% increments in two or more funds. Upon enrollment, if a participant does not make an investment election, their Notes Receivable From Participants A participant may request a loan for any reason. Loans are limited to the lesser of (1)$50,000, reduced by the excess of the highest outstandingbalance of loans from the Plan during the one-year period ending on the day before the date on which such loan was made over the outstandingbalance of loans from the Plan on the date on which such loan was made or (2)50% of the vested benefit of the participant’s account balance. A commercially reasonable fixed rate of interest will be assessed on the loan with the current rate set at the prime rate plus 2% offered by the Bank.Interest rates range from 5.25% to 10.50%. The loan will provide bi-weekly payments (if non- ASSOCIATED BANC-CORP401(k)& EMPLOYEE STOCK OWNERSHIP PLANNotes to Financial StatementsDecember 31, 2025 and 2024 exempt) or semi-monthly payments (if exempt) under a level amortization schedule of not greater than 5 years unless the loan is used to acquire aprincipal residence in which case, the maximum term of the lo