8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549
FORM	8-K
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) November 6, 2019

                                                                            Associated Banc-Corp                                                                      

(Exact name of registrant as specified in its chapter)

Wisconsin	001-31343	39-1098068
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

433 Main Street	Green Bay	Wisconsin	54301
(Address of principal executive offices)			(Zip code)

Registrant’s telephone number, including area code 920 491-7500

(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the act:

Title of each class	Trading symbol	Name of each exchange on which registered
Common stock, par value $0.01 per share	ASB	New York Stock Exchange
Depositary Shrs, each representing 1/40th intrst in a shr of 6.125% Non-Cum. Perp Pref Stock, Srs C	ASB PrC	New York Stock Exchange
Depositary Shrs, each representing 1/40th intrst in a shr of 5.375% Non-Cum. Perp Pref Stock, Srs D	ASB PrD	New York Stock Exchange
Depositary Shrs, each representing 1/40th intrst in a shr of 5.875% Non-Cum. Perp Pref Stock, Srs E	ASB PrE	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
☐	Emerging growth company
☐	If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 7.01. Regulation FD Disclosure

Associated Banc-Corp is furnishing the investor presentation, included as Exhibit 99.1 to this Report on Form 8-K, which will be used, in whole or in part, from time to time by executives of the Registrant in one or more meetings with investors and analysts.

The information furnished pursuant to this Item 7.01, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933 or the Exchange Act.

Item 9.01. Financial Statements and Exhibits.

The following exhibit is furnished as part of this Report on Form 8-K.

(d) Exhibits

99.1 Associated Banc-Corp Investor Presentation

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
	Associated Banc-Corp
	(Registrant)
Date: November 6, 2019	/s/ Christopher J. Del Moral-Niles
	Christopher J. Del Moral-Niles
	Chief Financial Officer

EX-99.1

Exhibit 99.1 Associated Banc-Corp BancAnalysts Association of Boston Conference Brookfield Office (Milwaukee MSA) – Opened October 2017 November 7, 2019

FORWARD-LOOKING STATEMENTS Important note regarding forward-looking statements: Statements made in this presentation which are not purely historical are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. This includes any statements regarding management’s plans, objectives, or goals for future operations, products or services, and forecasts of its revenues, earnings, or other measures of performance. Such forward-looking statements may be identified by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “estimate,” “should,” “will,” “intend,” "target," “outlook” or similar expressions. Forward-looking statements are based on current management expectations and, by their nature, are subject to risks and uncertainties. Actual results may differ materially from those contained in the forward-looking statements. These forward-looking statements include: management plans relating to the proposed acquisition of First Staunton Bancshares, Inc. (“proposed transaction”); the expected timing of the completion of the proposed transaction; the ability to complete the proposed transaction; the ability to obtain any required regulatory approvals; any statements of the plans and objectives of management for future operations, products or services; any statements of expectation or belief; projections related to certain financial results or other benefits of the proposed transaction; and any statements of assumptions underlying any of the foregoing. Factors which may cause actual results to differ materially from those contained in such forward-looking statements include those identified in the Company’s most recent Form 10-K and subsequent SEC filings, and such factors are incorporated herein by reference. Additional factors which may cause actual results of the proposed transaction to differ materially from those contained in forward-looking statements are the possibility that expected benefits of the proposed transaction may not materialize in the timeframe expected or at all, or may be more costly to achieve; the proposed transaction may not be timely completed, if at all; that required regulatory approvals are not obtained or other customary closing conditions are not satisfied in a timely manner or at all; reputational risks and the reaction of shareholders, customers, employees or other constituents to the proposed transaction; and diversion of management time on acquisition-related matters. Trademarks: All trademarks, service marks, and trade names referenced in this material are official trademarks and the property of their respective owners. Presentation: Within the charts and tables presented, certain segments, columns and rows may not sum to totals shown due to rounding. 1

OUR FRANCHISE Associated Bank will be the Midwest’s premier financial services company, distinguished by consistent, quality customer experiences, built upon a strong Our Vision commitment to our colleagues and the communities we serve, resulting in exceptional value to our shareholders through economic cycles. Highlights and Accomplishments 3Q19 Average Loans By Business Segment . Largest bank headquartered in Wisconsin1 Corporate and 53% Commercial Specialty . #1 Mortgage Lender in Wisconsin2 Community, Consumer, 44% . Top 40 U.S. insurance brokerage firm3 and Business 2% Other Select ASB Metro Market Unemployment Rates4 Madison, WI………..………..………….… 2.4% Minneapolis – St. Paul, MN…………....… 3.0% Green Bay, WI……………………….….… 3.2% 1Based on assets, as of September 30, 2019. 2The Wisconsin’s #1 Mortgage Lender designation is based on originated, closed-end mortgage loan count, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the Consumer Financial Protection Bureau Mortgage Database (HMDA), August 2019. 2 3Business Insurance magazine, July 2019. Rankings based on 2018 brokerage revenue gathered by U.S. based clients. 4U.S. Bureau of Labor Statistics, Civilian labor force and unemployment by metropolitan area, seasonally adjusted, September 2019.

Question: What ever happened to The First National? 3

Question: What ever happened to The First National? Answer: We are The First National In 1970, three strong banks in Northeast …and Associated now has a total of 9 Wisconsin formed Associated Bank… First National Banks in its heritage First National Bank of Columbus First National Bank of Hudson (MN) First National Bank First National Bank of Minocqua and of Neenah Woodruff 1861 First National Bank of Portage First National Bank of Rhinelander Kellogg Citizens First National Bank of Rushford (MN) National Bank First National Bank in Staunton (IL), 1874 expected February 2020 First National Bank of Sturgeon Bay First National Bank of Waukegan Manitowoc Savings Bank Plus >90 other savings and 1884 community banks 4

COMMUNITY MARKETS FOCUS Background . We are building upon and nurturing our First National roots in our Community Markets Eau Claire Northern . Outside of metropolitan markets, we operate with a virtual Wisconsin Community Bank model offering our full suite of services Central through a local, integrated, relationship driven team Wisconsin Full Service Community Banking Wealth Commercial Branch Mortgage Management & Business Banking Lending Rochester & Insurance Banking Rockford La Crosse Peoria Strategic Advantages Of Community Markets Focus . Localized approach ensures the customer experience is at the forefront of decisions and actions Southern Illinois . Virtual community banks with our full suite of financial and risk management solutions in midsize markets . Community-based Market Presidents are positioned as active community partners and financial leaders 5

COMMUNITY MARKETS SUCCESSES Our Community Markets focus has ... and we enjoy a ‘Top-3’ share led to market-leading results in in most of our Wisconsin many of the markets we serve... Markets Top Market Share Green Bay Rhinelander Janesville Rockford Marshfield Shawano Neenah #2 Market Share Lacrosse Oconomowoc Madison Oshkosh Menomonee Falls Sheboygan #3 Market Share Appleton Stevens Point Eau Claire Sun Prairie Manitowoc Watertown Marinette Whitewater Milwaukee 6 Source: FDIC Deposit Market Share Report as of June 30, 2019.

COMMUNITY MARKETS SUCCESS DRIVES FRANCHISE GROWTH Our Community Markets success has contributed to: Total Deposits Wisconsin Deposit Market Share Deposits Per Branch ($ in billions) ($ in millions) 55% growth in deposits... …a 24% expansion of our …and a near doubling of core market share… our deposits per branch $99 $25 11.5% 9.2% $16 $55 2009 2019 2009 2019 2009 2019 Source: FDIC Deposit Market Share Report as of June 30 for the years indicated. 7

ADAPTING TO CHANGING CUSTOMER BEHAVIOR Active Retail Mobile User Adoption1 Number of Branches2 As almost 50% of our retail …Associated has systematically been reducing customers have adopted mobile its branch count in parallel banking… 279 270 238 248 237 226 236 48% 215 217 213 20 31 27 205 201 5% 2011 2019 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 ASB BKMU (58) HBAN (32) Only 248 of the 369 branches owned or acquired since 2010 remain open today. This reflects a 33% reduction in the combined branch network. 1Retail primary checking customers who have signed in in the last 90 days as a percentage of all retail primary checking customers. Value for 2011 as of year end, value for 2019 as of September 30, 2019. 8 2Value for 2019 as of September 30, 2019.

CUSTOMER BEHAVIOR DRIVES TECH SPEND Technology and On Being Local Total Assets1 Average FTE2 Equipment Expense Not so long ago, being ($ in billions) ($ in millions) locally focused meant: . Being present for our customers As we’ve grown …our personnel …but we’ve more . Supporting the local our assets by count has than doubled our community (Chamber, ~50% since 2010... remained technology and Rotary, etc.) relatively equipment spend steady… With our First National roots, we have always been local But now, being local also means: . Being accessible and $33 responding to concerns $108 24/7/365 4,766 4,703 . Enabling transactions $22 24/7/365 $48 . Quick decisions and dynamic responses 2010 2019 2010 2019 2010 2019E 12010 data as of year end, 2019 data as of September 30, 2019. 9 22019 data is year-to-date through September 30,2019.

ENHANCING OUR DIGITAL PLATFORM External partnerships and internal innovation transform customer experience and increase efficiency Banking Services Are Current Focus ASB Fintech Initiatives in 2019 and Beyond Partner Application Status/Timing Innovation has so far focused on . Unbundling of banking Online deposit acct opening upgrade 1Q19 services Merchant terminal upgrade 1Q19 . Improving the front end for Person-to-person (P2P) payments 1Q19 customers Digital consumer loan application 1Q19 Business payroll product 2Q19 Banking Infrastructure Is Future Focus Contactless debit cards 2Q19 . Infrastructure has been Mobile wallet 2Q19 largely untouched by fintech Digital appointment scheduling 3Q19 startups due to high entry barriers Digital mortgage loan application 3Q19 . Reinventing banking rails Mobile credit card information 3Q19 may be next wave of Next generation ATMs 4Q19 innovation as cloud Digital business loan application 1Q20 computing and “banking as a service” takes hold Digital signatures in branches 2020 Online, mobile, core systems Ongoing 10

INTERNAL INNOVATION Innovation Lab Use Cases . Customer Experience . Mortgage & small business loan application processes . Online/mobile appointment scheduling . Enhanced mobile experiences - direct messaging, . Full-fledged technology lab within card activation/deactivation, cardless ATMs Associated Bank . Efficiency . Combined in-house and fintech . Applications designed for self service application development . Omni-channel account opening platforms . Agile, creative team with strong, diverse technology experience . Compliance . Sustainable process & resource model to . Eliminate manual workarounds foster learning and gain new insights . Artificial intelligence decision making . Innovative, customer-centric focus . Driven by customer experience data AB Innovation Lab Initiatives . Designed for user experience Partner Application Status/Timing . Beta tested to ensure quality, efficiency and Debit card control 2Q20 compliance AB money clip 3Q20 11

ASSOCIATED AT ITS CORE Community Bank Regional Bank “First National Values” “Powerful Digital Presence” . Focus on relationships . Larger bank products, and service strength and lending limits . Flexible, local decision- . Deep industry expertise making . Efficiency and innovation . “Your Money Works Here” . 24/7/365 access and capabilities 12

XML

Cover Page Cover Page	Nov. 06, 2019
Entity Information [Line Items]
Document Type	8-K
Document Period End Date	Nov. 06, 2019
Entity Registrant Name	Associated Banc-Corp
Entity Incorporation, State or Country Code	WI
Entity File Number	001-31343
Entity Tax Identification Number	39-1098068
Entity Address, Address Line One	433 Main Street
Entity Address, City or Town	Green Bay
Entity Address, State or Province	WI
Entity Address, Postal Zip Code	54301
City Area Code	920
Local Phone Number	491-7500
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Entity Emerging Growth Company	false
Entity Central Index Key	0000007789
Amendment Flag	false
NEW YORK STOCK EXCHANGE, INC.
Entity Information [Line Items]
Title of 12(b) Security	Common stock, par value $0.01 per share
Trading Symbol	ASB
Security Exchange Name	NYSE
Series C Preferred Stock | NEW YORK STOCK EXCHANGE, INC.
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shrs, each representing 1/40th intrst in a shr of 6.125% Non-Cum. Perp Pref Stock, Srs C
Trading Symbol	ASB PrC
Security Exchange Name	NYSE
Series D Preferred Stock | NEW YORK STOCK EXCHANGE, INC.
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shrs, each representing 1/40th intrst in a shr of 5.375% Non-Cum. Perp Pref Stock, Srs D
Trading Symbol	ASB PrD
Security Exchange Name	NYSE
Series E Preferred Stock | NEW YORK STOCK EXCHANGE, INC.
Entity Information [Line Items]
Title of 12(b) Security	Depositary Shrs, each representing 1/40th intrst in a shr of 5.875% Non-Cum. Perp Pref Stock, Srs E
Trading Symbol	ASB PrE
Security Exchange Name	NYSE