# Associated Banc-Corp competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/associated/competitors
Last updated: Oct 20, 2026

*Part of the [Associated Banc-Corp AI strategy profile](https://www.bankingnewsai.com/banks/associated). Peer group: Old National Bancorp, Wintrust Financial Corporation, Commerce Bancshares, UMB Financial, First National Bank of Omaha (FNBO), Nicolet Bankshares, First Merchants Corporation, First Busey Corporation.*

## Who are Associated Banc-Corp's competitors, and what are the alternatives?

Associated's 2025 10-K, filed February 12, 2026, says it competes with other bank and nonbank institutions in its markets, internet-based banks, out-of-market banks, money market funds, brokerages, credit unions, nonbank lenders and financial technology companies, and 'subsidiaries of bank holding companies that have far greater assets and resources than ours'. Its home is Wisconsin, where it is the largest bank holding company headquartered in the state and ranked 2nd by deposits in June 2025 with $26.0 billion (12.95%) in 137 offices, behind U.S. Bank ($32.3 billion) and ahead of BMO ($22.8 billion), JPMorgan Chase ($12.8 billion), Nicolet, Old National and Wintrust's Town Bank. In Illinois and Minnesota it is a smaller player, 17th and 15th by deposits; Minnesota is led by U.S. Bank, Wells Fargo and Ameriprise Bank, with Old National 4th after buying Bremer. Its April 2026 purchase of American National brought it into Omaha, where FNBO holds 18.54% of Nebraska deposits. In commercial banking its rivals are the regional banks in its proxy peer group, Old National, Wintrust, Commerce and UMB among them, chosen for 'business composition (engaged in lines of business similar to Associated)'. The non-bank rivals are in everyday banking and payments: Chime sells a branchless account and Block lists banks among Square's competitors. ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AIL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast), [Banking Dive](https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/), [SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does Associated say about its competition?

"The financial services industry is highly competitive. We compete for loans, deposits, and financial services in all of our principal markets. We compete directly with other bank and nonbank institutions located within our markets, internet-based banks, out-of-market banks and bank holding companies that advertise or otherwise serve our markets, money market funds and other mutual funds, brokerage houses, and various other financial institutions. Additionally, we compete with insurance companies, leasing companies, regulated small loan companies, credit unions, governmental agencies, and commercial entities offering financial services products, including nonbank lenders and financial technology companies, including those related to cryptocurrencies (including stablecoins). Competition involves, among other things, efforts to retain current customers and to obtain new loans and deposits, the scope and types of services offered, interest rates paid on deposits and charged on loans, as well as other aspects of banking. We also face direct competition from subsidiaries of bank holding companies that have far greater assets and resources than ours." ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

From the risk factors of the same 10-K: "As customer preferences and expectations continue to evolve, technology has lowered barriers to entry and made it possible for nonbanks to offer products and services traditionally provided by banks, such as automatic transfer and automatic payment systems. Technology firms are engaging in joint ventures with banks to provide and/or expand financial service offerings with a technological sophistication and breadth of marketing that smaller institutions do not have. Many of our competitors have fewer regulatory constraints and may have lower cost structures." ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

And on technology: "Our future success depends, in part, upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands, as well as to create additional efficiencies in our operations. Many of our competitors have substantially greater resources to invest in technological improvements." (Form 10-K for 2025, filed February 12, 2026.) ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

From the 2026 proxy statement, on the peer group used for executive pay: "The peer group consists of 21 bank holding companies that the Committee and compensation consultant believe are appropriate for comparison purposes in terms of size (based on total assets) and business composition (engaged in lines of business similar to Associated)." The Midwest members are Old National, UMB, Commerce and Wintrust. ([SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm))

## Who competes with Associated in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Wisconsin and Nebraska | [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | First in Wisconsin by deposits in June 2025, with $32.3 billion (16.07%) in 91 offices against Associated's $26.0 billion (12.95%) in 137; it runs more than 2,000 branches in 26 states. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [The Wall Street Journal (partner content)](https://partners.wsj.com/comcast-business/powering-perspectives/us-bank-brings-a-personal-touch-to-a-digital-world)) |
| Home region: Wisconsin and Nebraska | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Bank | Third in Wisconsin with $22.8 billion of deposits in 150 offices (June 2025), the kind of subsidiary of a much larger holding company that Associated's 10-K says has 'far greater assets and resources'. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |
| Home region: Wisconsin and Nebraska | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Fourth in Wisconsin with $12.8 billion of deposits in 63 offices (June 2025); Chase reported 74.6 million active digital customers nationally in 2025. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Home region: Wisconsin and Nebraska | [Nicolet Bankshares](https://www.bankingnewsai.com/banks/nicolet) | Bank | Fifth in Wisconsin with $6.7 billion of deposits in 39 offices (June 2025); it added about $6 billion of assets by buying MidWestOne in 2026. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Nicolet Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260421530305/en)) |
| Home region: Wisconsin and Nebraska | [Wintrust (Town Bank)](https://www.bankingnewsai.com/banks/wintrust) | Bank | Wintrust's Wisconsin bank, Town Bank, held $3.7 billion of deposits in 24 offices (June 2025); Wintrust is in Associated's proxy peer group and runs 16 chartered banks with 209 locations. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm)) |
| Home region: Wisconsin and Nebraska | [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | Bank | First in Nebraska with $17.1 billion of deposits (18.54%) in 51 offices in June 2025; American National, which Associated bought for $604 million in April 2026, ranked 6th with $3.1 billion. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) |
| Commercial and specialty banking in the Midwest | [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Bank | A proxy peer that bought Minnesota's Bremer for $1.4 billion (70 branches) and now ranks 4th in Minnesota and 7th in Wisconsin by deposits; about $74 billion of assets in July 2026. ([SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Old National Bancorp](https://ir.oldnational.com)) |
| Commercial and specialty banking in the Midwest | [Wintrust Financial](https://www.bankingnewsai.com/banks/wintrust) | Bank | A Chicago-based proxy peer with $74.7 billion of assets (June 2026); Associated has 30 Illinois offices, 17th in the state by deposits. ([SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000022/wtfc-20260630.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AIL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| Commercial and specialty banking in the Midwest | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Bank | A Kansas City proxy peer with a commercial-card business ($9.9 billion of volume in 2025); Associated's four-state footprint includes Missouri. ([SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |
| Commercial and specialty banking in the Midwest | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Bank | A Kansas City proxy peer that doubled its branches from 93 to 193 and widened its footprint from 8 to 13 states with the $2 billion Heartland acquisition. ([SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank)) |
| Retail deposits and everyday banking | Ameriprise Bank | Broker or asset manager | Third in Minnesota by deposits in June 2025 with $22.5 billion in two offices, a brokerage-affiliated bank of the kind Associated's 10-K lists among competitors ('brokerage houses' and 'money market funds'). ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |
| Retail deposits and everyday banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | An internet-based bank alternative of the kind Associated's 10-K names; Chime's 10-K claims 'a significant cost advantage compared to traditional banks' and it had 10.4 million active members at June 30, 2026. ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits and everyday banking | [Ally Bank](https://www.bankingnewsai.com/banks/ally) | Bank | The nation's largest all-digital bank, with 3.5 million primary deposit customers and no branch network, an out-of-market, internet-based bank of the kind Associated's 10-K names. ([Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |
| Small business and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Associated's 10-K says nonbanks now offer services 'traditionally provided by banks, such as automatic transfer and automatic payment systems'. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |
| Small business and payments | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | The largest bank in Wisconsin and Minnesota by deposits (June 2025), and a lender that surveys small businesses on AI: 75% reported using generative AI in its June 2026 study. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [U.S. Bank](https://www.usbank.com/SBOsurvey.html)) |
| Private wealth and trust | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Bank | Commerce administers $94.5 billion of trust assets (June 2026) and completed its $585 million all-stock FineMark acquisition in January 2026; Associated's CEO said in April 2026 he wants to pave a 'highway to private wealth'. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal), [Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/)) |
| Private wealth and trust | [First Busey](https://www.bankingnewsai.com/banks/busey) | Bank | An Illinois bank with $16.51 billion of wealth assets under care at June 30, 2026, in the Midwest wealth market Associated's CEO says he wants to build into. ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/)) |
| Private wealth and trust | Ameriprise Financial | Broker or asset manager | A Minneapolis wealth manager whose bank ranked 3rd in Minnesota by deposits in June 2025; Associated's 10-K lists brokerage houses and mutual funds among its competitors. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm)) |

## How do the AI and digital offerings of Associated's competitors compare?

Associated first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Associated Banc-Corp (this page)](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [Index 56.8 (#49); 11 use cases, 4 in production](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Smart Assistant: 2.5 million uses a month on its website and app ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [BMO](https://www.bankingnewsai.com/banks/bmo-us) | More than 96% employee AI adoption; Lumi policy assistant ([BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making), [BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo)) | [Index 85.8 (#10); 16 use cases, 14 in production](https://www.bankingnewsai.com/banks/bmo-us) | Evident AI Index 2026: top 20 overall, #2 for AI outcomes (Oct 6, 2026) ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for employees: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Nicolet Bankshares](https://www.bankingnewsai.com/banks/nicolet) | Not disclosed | [Index 1.1 (#119); 5 use cases, 2 in production](https://www.bankingnewsai.com/banks/nicolet) | MidWestOne scheduled to open as Nicolet National Bank (Aug 10, 2026) ([Nicolet National Bank](https://www.nicoletbank.com/midwestone-merger)) |
| [Wintrust (Town Bank)](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [Index 38.1 (#76); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom (Sep 8, 2026) ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | Nasdaq Verafin AI agents for financial-crime investigation (investigator time −50%) ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime)) | [Index 53.2 (#53); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/fnbo) | Blue Ridge acquisition closes (Oct 1, 2026) ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City)) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation; AI-assisted code clean-up (April 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | [Index 66 (#40); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language (Jul 29, 2026) ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| [Wintrust Financial](https://www.bankingnewsai.com/banks/wintrust) | AI credit adjudication in Wintrust Specialty Finance: 4,000+ deals in the first half of 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | [Index 38.1 (#76); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom (Sep 8, 2026) ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | AI pillar in its enterprise data strategy; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Ameriprise Bank | Not disclosed | No profile | Not disclosed |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Ally Bank](https://www.bankingnewsai.com/banks/ally) | Ally.ai and the Personas ([Ally Financial](https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide), [American Banker](https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai), [American Banker](https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees)) | [Index 76.5 (#27); 13 use cases, 9 in production](https://www.bankingnewsai.com/banks/ally) | CRO: AI should be 'an accelerant', not just something to control (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | In-house tools from the AI Center of Excellence ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [First Busey](https://www.bankingnewsai.com/banks/busey) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) | [Index 44.9 (#64); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing (Aug 6, 2026) ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| Ameriprise Financial | Not disclosed | No profile | Not disclosed |

## Who should look beyond Associated, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI assistant in their banking app | [U.S. Bank (Smart Assistant)](https://www.bankingnewsai.com/banks/us-bancorp) | Associated's planned AI-enabled chatbot, listed for 2024 in its 2023 strategic plan, has no announced launch. U.S. Bank reports 2.5 million Smart Assistant uses a month and leads Wisconsin by deposits. ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2023/Associated-Bank-executing-next-phase-of-strategic-plan), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| People who need branches outside the upper Midwest | [U.S. Bank or JPMorgan Chase](https://www.bankingnewsai.com/banks/us-bancorp) | Associated's 184 branches at December 31, 2025 were mainly in Wisconsin, Illinois, Minnesota and Missouri, with Nebraska added in April 2026. U.S. Bank runs more than 2,000 branches in 26 states and Chase reported 5,083 branches in 2025. ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/), [The Wall Street Journal (partner content)](https://partners.wsj.com/comcast-business/powering-perspectives/us-bank-brings-a-personal-touch-to-a-digital-world), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Minnesota customers who want a large local branch network | [U.S. Bank, Wells Fargo or Old National](https://www.bankingnewsai.com/banks/old-national) | Associated held $2.3 billion of Minnesota deposits in 18 offices (15th) in June 2025. U.S. Bank held 33.17% of the state's deposits, Wells Fargo 15.96% and Old National, after Bremer, $13.0 billion in 81 offices. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Savers who want an app-only account | [Chime or Ally](https://www.bankingnewsai.com/fintech/chime) | Associated is a branch bank. Chime had 10.4 million active members at June 30, 2026, and Ally calls itself the largest all-digital bank, with 3.5 million primary deposit customers. ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm)) |
| Sellers who want card acceptance and point-of-sale software from one provider | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Block's 10-K lists point-of-sale providers and banks among Square's competitors and sells payments, software and banking to sellers in one place. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |

## Where does Associated rank among Wisconsin banks by deposits?

FDIC Summary of Deposits, June 30, 2025: deposits booked in Wisconsin offices, by bank.

| Rank | Bank | Wisconsin deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | U.S. Bank | $32.3 billion | 16.07% | 91 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 2 | Associated Bank | $26.0 billion | 12.95% | 137 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 3 | BMO Bank | $22.8 billion | 11.34% | 150 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 4 | JPMorgan Chase | $12.8 billion | 6.38% | 63 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 5 | Nicolet National Bank | $6.7 billion | 3.31% | 39 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 6 | Johnson Bank | $5.5 billion | 2.73% | 32 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 7 | Old National Bank | $4.0 billion | 2.01% | 31 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 8 | Wells Fargo | $4.0 billion | 1.99% | 33 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| 9 | Town Bank (Wintrust) | $3.7 billion | 1.82% | 24 ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |

## How large is Associated in its other states?

Associated's deposits and rank in each other state from the FDIC's June 30, 2025 data, beside the state leader.

| State | Associated deposits (rank, offices) | State leader |
| --- | --- | --- |
| Illinois | $5.8 billion (17th, 30 offices) | Not shown here ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AIL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000)) |
| Minnesota | $2.3 billion (15th, 18 offices) | U.S. Bank, $98.7 billion (33.17%) ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000)) |
| Nebraska | American National, bought April 2026: $3.1 billion (6th, 24 offices) | FNBO, $17.1 billion (18.54%) ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/)) |

## Common questions

### Who are Associated Bank's biggest competitors?

In Wisconsin, U.S. Bank (1st by deposits), BMO (3rd), JPMorgan Chase (4th) and Nicolet (5th). In commercial banking, Midwest regionals in its proxy peer group: Old National, Wintrust, Commerce and UMB. In Nebraska, FNBO. Its 10-K also names internet-based banks, credit unions, nonbank lenders and financial technology companies. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [SEC (Associated Banc-Corp)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

### Is U.S. Bank bigger than Associated in Wisconsin?

Yes, by deposits. In the FDIC's June 2025 data U.S. Bank held $32.3 billion of Wisconsin deposits (16.07%) in 91 offices, against Associated's $26.0 billion (12.95%) in 137 offices. Associated is the largest bank holding company headquartered in Wisconsin, per its 10-K. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

### Is Chime a competitor of Associated Bank?

By category. Associated's 10-K names internet-based banks and financial technology companies among its competitors, and Chime's 10-K says its model gives it a cost advantage over traditional banks; Chime had 10.4 million active members in June 2026. Neither names the other. ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Associated vs Old National: which is bigger?

Old National, at about $74 billion of assets in July 2026 against Associated's roughly $52 billion. Old National bought Minnesota's Bremer and ranks 4th in that state; Associated is 2nd in Wisconsin, where Old National is 7th. On AI disclosure Old National scores 66 and Associated 56.8. ([Old National Bancorp](https://ir.oldnational.com), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000))

### What are alternatives to Associated for small business banking?

U.S. Bank, the largest bank in Wisconsin and Minnesota by deposits, and Square for sellers who want payments and point-of-sale software with banking. Associated's own 10-K notes nonbanks now offer services such as automatic transfer and payment systems that banks traditionally provided. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm))

### Who does Associated compete with in Omaha?

FNBO above all: First National Bank of Omaha held 18.54% of Nebraska deposits in June 2025. American National, which Associated bought for $604 million in April 2026, was 6th with $3.1 billion. FNBO is also expanding, with acquisitions such as Blue Ridge Bancshares and InBankshares in 2026. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/), [American Banker](https://americanbanker.com/news/fnbos-latest-deal-adds-to-its-kansas-city-buildout), [American Banker](https://americanbanker.com/news/no-pause-button-omaha-bank-inks-second-m-a-deal-since-june))

### Who competes with Associated in private wealth?

Commerce, with $94.5 billion of trust assets under administration and the FineMark acquisition completed in January 2026, Busey, with $16.51 billion of wealth assets under care, and brokerage-affiliated firms such as Ameriprise, whose bank is 3rd in Minnesota by deposits. Associated's CEO said in April 2026 that he wants to pave a 'highway to private wealth'. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/))

### Does Associated compete with BMO?

Yes, directly in Wisconsin, where BMO ranked 3rd by deposits with $22.8 billion in 150 offices in June 2025, close behind Associated's $26.0 billion. BMO's US bank is part of a group with $1.5 trillion of assets and reports more than 96% employee AI adoption. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [BMO](https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum), [BMO](https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making))

## Peers on this site

- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [First National Bank of Omaha (FNBO) AI strategy](https://www.bankingnewsai.com/banks/fnbo) · [vs peers](https://www.bankingnewsai.com/banks/fnbo/vs-peers)
- [Nicolet Bankshares AI strategy](https://www.bankingnewsai.com/banks/nicolet) · [vs peers](https://www.bankingnewsai.com/banks/nicolet/vs-peers)
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)
- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)

## Sources

1. Associated Banc-Corp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Associated Banc-Corp (SEC filings), Feb 12, 2026. https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm
2. Summary of Deposits, Wisconsin branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AWI+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000
3. Summary of Deposits, Illinois branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AIL+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT&limit=10000
4. Summary of Deposits, Minnesota branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AMN+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000
5. Summary of Deposits, Nebraska branch offices, June 30, 2025 (BankFind Suite API) — FDIC, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3ANE+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000
6. Acquisitive Old National eyes growth in Midwest, Southeast — American Banker, Jan 21, 2025. https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast
7. Associated Bank to buy Nebraska lender for $604M — Banking Dive, Dec 1, 2025. https://www.bankingdive.com/news/associated-bank-deal-american-national-omaha-604-million-acquisition/806659/
8. Associated Banc-Corp 2026 Proxy Statement (DEF 14A) — SEC (Associated Banc-Corp), Mar 16, 2026. https://www.sec.gov/Archives/edgar/data/7789/000000778926000097/asb-20260316.htm
9. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
10. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
11. U.S. Bank Brings a Personal Touch to a Digital World — The Wall Street Journal (partner content), Nov 21, 2025. https://partners.wsj.com/comcast-business/powering-perspectives/us-bank-brings-a-personal-touch-to-a-digital-world
12. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
13. Nicolet Bankshares, Inc. Announces First Quarter 2026 Earnings — Nicolet Bankshares (Business Wire), Apr 21, 2026. https://www.businesswire.com/news/home/20260421530305/en
14. Wintrust Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Wintrust Financial Corporation (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm
15. Associated Banc-Corp Reports Second Quarter 2026 Earnings of $0.63 Per Common Share, or $0.73 Excluding Nonrecurring Items — PR Newswire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1
16. Old National Bancorp — Investor Relations (approximately $74 billion of assets) — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com
17. Wintrust Financial Corporation Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2026 — Wintrust Financial Corporation (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1015328/000101532826000022/wtfc-20260630.htm
18. Commerce Bancshares, Inc. At a Glance (data as of June 30, 2026) — Commerce Bancshares, Jul 27, 2026. https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf
19. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
20. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
21. Ally Financial Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Ally Financial (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm
22. U.S. Bank 2026 Small Business Survey — U.S. Bank, Jun 18, 2026. https://www.usbank.com/SBOsurvey.html
23. Commerce eyes wealth-management gains after sealing M&A deal — American Banker, Jan 7, 2026. https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal
24. Associated Bank CEO wants to pave 'highway to private wealth' — Banking Dive, Apr 27, 2026. https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/
25. First Busey Corporation Announces 2026 Second Quarter Earnings — First Busey Corporation (GlobeNewswire), Jul 28, 2026. https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html
26. Associated Bank Hires Andy Miner as senior director, AI for Corporate & Commercial Banking — Associated Banc-Corp, Jun 30, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking
27. Associated Bank chief digital officer joins from BMO — Banking Dive, Jul 30, 2026. https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/
28. Alexander Bush, EVP, Chief Data Officer & CIO, Associated Bank (Digital Banking speaker profile) — American Banker, Apr 23, 2026. https://digital-banking.americanbanker.com/profile/alexander-bush
29. Associated Announces Annual Meeting Results; Dividends; Stock Repurchase Program; and New Technology Committee — Associated Banc-Corp, Apr 28, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee
30. Associated Banc-Corp at Barclays conference: growth, margins and AI (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556
31. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
32. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
33. BMO Launches Return on Intelligence Podcast — BMO, Apr 24, 2026. https://newsroom.bmo.com/2026-04-24-BMO-Launches-Return-on-Intelligence-Podcast-AI,-Quantum,-and-the-New-Rules-of-Decision-Making
34. Meet Lumi Assistant: BMO's award-winning AI tool empowering Team BMO — BMO, Jun 24, 2025. https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo
35. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
36. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
37. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
38. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
39. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
40. Nicolet National Bank and MidWestOne Bank: what customers should know — Nicolet National Bank, Jul 1, 2026. https://www.nicoletbank.com/midwestone-merger
41. Financing the AI innovation roadmap — Wintrust Financial Corporation, Sep 8, 2026. https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html
42. How FNBO uses agentic AI to investigate financial crime — American Banker, Jun 24, 2026. https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime
43. FNBO Closes Acquisition of Blue Ridge Bank and Trust Co. in Kansas City — FNBO (Business Wire), Oct 1, 2026. https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City
44. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
45. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Old National Bancorp (SEC filings), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm
46. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
47. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
48. AI driving funding growth via credit adjudication — Equipment Finance News (first published by sister title FinAi News), Aug 6, 2026. https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/
49. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
50. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
51. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
52. AI POV: Impacts on the markets and what the future may hold — UMB Financial, Mar 2, 2026. https://blog.umb.com/economy-ai-impacts-on-the-markets/
53. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead — CNBC, Aug 20, 2026. https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html
54. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
55. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
56. Ally Financial rolls out proprietary AI platform enterprise-wide — Ally Financial, Jul 23, 2025. https://media.ally.com/2025-07-23-Ally-Financial-rolls-out-proprietary-AI-platform-enterprise-wide
57. How Sathish Muthukrishnan keeps Ally's data safe from gen AI — American Banker, Jul 31, 2025. https://americanbanker.com/news/how-sathish-muthukrishnan-keeps-allys-data-safe-from-gen-ai
58. Ally developed AI personas to mirror customer behavior — American Banker, Jun 1, 2026. https://americanbanker.com/news/allys-personas-is-on-of-the-innovation-of-the-year-honorees
59. The Most Powerful Women in Banking Women to Watch, #9, Stephanie Richard, Ally Financial — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-9-stephanie-richard-ally-financial
60. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
61. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
62. U.S. Bank launches Design Assistant, an AI solution to empower designers at scale — U.S. Bank, Mar 30, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html
63. U.S. Bank gives embedded banking clients a gen AI assistant — American Banker, Jan 15, 2026. https://www.americanbanker.com/news/u-s-bank-gives-embedded-banking-clients-a-gen-ai-assistant
64. AI-powered Statement Analyzer simplifies payment services for small businesses — U.S. Bank, May 26, 2026. https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html
65. U.S. Bank launches AI-driven cash forecasting tool — U.S. Bank, Nov 18, 2025. https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html
66. Bernini Joins Busey as Director of AI — Busey Bank, Apr 6, 2026. https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights
67. Q1 2026 Earnings Investor Presentation — First Busey Corporation, Apr 28, 2026. https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4
68. First Busey Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Busey Corporation (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm
69. Q2 2026 Earnings Investor Presentation (Form 8-K, Exhibit 99.2) — First Busey Corporation (SEC filings), Jul 28, 2026. https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm
70. Building Relationships When Checking No Longer Confers Primacy — The Financial Brand, Feb 24, 2026. https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883
71. Busey Bank: 30,000 New Customers, Zero Hiring — Glia (case study), Sep 24, 2026. https://www.glia.com/case-study/busey-bank
72. First Busey Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — First Busey Corporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm
73. Associated Bank executing next phase of strategic plan — Associated Banc-Corp, Nov 9, 2023. https://investor.associatedbank.com/news/news-details/2023/Associated-Bank-executing-next-phase-of-strategic-plan
74. FNBO's latest deal adds to its Kansas City buildout — American Banker, Jun 2, 2026. https://americanbanker.com/news/fnbos-latest-deal-adds-to-its-kansas-city-buildout
75. No pause button: Omaha bank inks second M&A deal since June — American Banker, Sep 2, 2026. https://americanbanker.com/news/no-pause-button-omaha-bank-inks-second-m-a-deal-since-june
76. BMO Establishes Institute for Applied Artificial Intelligence & Quantum — BMO, Apr 9, 2026. https://newsroom.bmo.com/2026-04-09-BMO-Establishes-Institute-for-Applied-Artificial-Intelligence-Quantum

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