Colby Howard

Published on October 7, 2025


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ASB: CEO Harmening’s Digital and Balance Sheet Skills to Defend Margins, Drive Growth

Last Updated: October 7, 2025

Analyzing Management

Leadership in publicly traded companies plays a pivotal role for hedge funds and asset managers during both initial due diligence and continuous risk assessment. ManagementTrack offers a consistent methodology that filters out distractions—identifying clear positives and negatives, highlighting warning signs and advantages, and drawing a straightforward connection between CEO actions and financial performance.

CEO Harmening’s digital and balance sheet skills to defend margins, drive growth

Analysis of Associated Banc-Corp CEO Andy Harmening

With a demonstrated ability in decisive balance sheet management and digital-led customer acquisition, Andy Harmening is well-positioned to defend margins while executing on the bank’s disciplined growth strategy.

ManagementTrack’s analysis focuses on Andy Harmening’s track record and skillset against the following key factors for ASB:

  • Defend NIM from falling interest rate pressure.
  • Maintain credit discipline during C&I loan expansion.
  • Achieve H2 deposit growth to fund loan expansion.
  • Execute C&I loan growth to achieve NII targets.

Report Available: Proprietary Interviews & Analysis on Andy Harmening Answers Key Questions

ManagementTrack reports provide track record analysis, career playbooks, strengths, and weaknesses for every CEO. They allow investors to dig deeper to uncover hard-to-find data to answer the most pressing questions.

Reach out to sales@paragonintel.com or visit https://paragonintel.com/access-now/ for more information.

Question Answered #1

How will Harmening leverage his core strengths in team building and transparency to execute the bank’s digital transformation and growth strategy?

Question Answered #2

How does Harmening’s acute understanding of the fintech threat shape his specific plans to improve the customer experience and grow the franchise?

Question Answered #3

How will Harmening balance his mandate to scale the bank through new products and acquisitions with the risk-averse discipline he has demonstrated in his track record?

Why Do Investors Use ManagementTrack?

What is ManagementTrack’s analysis of Andy Harmening at ASB?

ManagementTrack assesses an executive’s track record, core competencies, and potential weaknesses through its proprietary career analysis and interviews with former colleagues. This profile is then measured against ASB’s critical challenges, including the need to defend net interest margin from rate pressure, maintain credit discipline while expanding commercial loans, secure deposit growth to fund loan expansion, and successfully execute C&I growth to hit income targets.

How else does ManagementTrack connect executive actions to future performance?

ManagementTrack utilizes proprietary models to identify and flag abnormal levels of executive evasion in earnings call Q&A. Additionally, it performs outlier analysis on all insider transactions to isolate trades that predict future stock over- or under-performance. When combined with the ManagementTrack Rating, a predictive 1-10 score for each executive, these tools give investors a clear, actionable signal on how management is likely to impact company results.

What is the scope of ManagementTrack’s coverage?

ManagementTrack provides real-time coverage on the C-suite of every publicly traded company.

How to Learn More

Reach out to sales@paragonintel.com or visit https://paragonintel.com/access-now/ to see our deep dive analysis on any executive.

 

Author

Author: Colby Howard is the co-founder and President of Paragon Intel. Paragon Intel’s ManagementTrack is the premier executive analysis platform for hedge funds, asset managers, corporations, boards, and recruiters. Our proprietary data, built over a decade of analysis, allows us to analyze each public company executive to understand their fit and ability to execute at their company. We leverage our proprietary data – key quantitative research on an executive’s career plus interviews with their former colleagues – with public documents, including SEC filings (10-K, 10-Q), investor presentations, press releases, and earnings call transcripts. to build a holistic, evidence-based view of an executive’s capabilities and playbook.

Sources

Verified Career History by ManagementTrack for Andy Harmening

Analysis of Capital Allocation, Performance, and Fundamentals across career by ManagementTrack

Associated Banc-Corp 10Q

Associated Banc-Corp 10K

Associated Banc-Corp Earnings Calls

Associated Banc-Corp Press Releases

 

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