Associated Banc-Corp is seeing huge loan growth in multi-family housing and commercial real estate in the Midwest despite low rates weighing on its ability to generate deposits, said the company's CEO Philip Flynn. Flynn added that the bank has reduced its branch count due to increases in technology and changing banking habits. He said regional players like Associated Banc-Corp compete with the mega-banks by offering a superior value proposition. Flynn said the Dodd-Frank Act is challenging for mid-level players yet manageable. Finally, Flynn said the bank has had a pattern of raising its dividend in the fourth quarter and buying back shares aggressively.