Nicolet National Bank
Total assets
$15.39B
▲ +72.6% YoY
Deposits
$12.95B
▲ +68.6% YoY
Loans
$11.14B
▲ +64.2% YoY
Offices
117
NICOLET BANKSHARES INC
ROA (annualized)
1.17%
peers 1.23%
ROE (annualized)
8.08%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Nicolet National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +72.6% | +5.9% | +66.7 pts |
| Deposit growth (YoY) | +68.6% | +5.7% | +62.9 pts |
| Loan growth (YoY) | +64.2% | +6.9% | +57.3 pts |
| ROA | 1.17% | 1.23% | -0.1 pts |
| ROE | 8.1% | 11.2% | -3.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
Profile
- Established
- 2000
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- NICOLET BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 111 N Washington St, Green Bay, WI, 54301
- County
- Brown
- Metro area
- Green Bay, WI
- Offices
- 117
- FDIC cert #
- 57038
- RSSD ID
- 2941068
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.39B | $12.95B | $11.14B | $2.30B | $78.1M | 1.17% | 4.33% | 0.49% |
| Q1 2026 | $15.55B | $13.11B | $11.15B | $2.31B | $18.9M | 0.61% | 4.08% | 0.51% |
| Q4 2025 | $9.17B | $7.92B | $6.78B | $1.19B | $149.0M | 1.66% | 3.92% | 0.35% |
| Q3 2025 | $9.02B | $7.77B | $6.82B | $1.18B | $108.8M | 1.63% | 3.88% | 0.31% |
| Q2 2025 | $8.92B | $7.68B | $6.78B | $1.17B | $68.2M | 1.54% | 3.80% | 0.32% |
| Q1 2025 | $8.96B | $7.73B | $6.69B | $1.17B | $32.4M | 1.46% | 3.71% | 0.33% |
| Q4 2024 | $8.78B | $7.59B | $6.57B | $1.13B | $122.2M | 1.43% | 3.64% | 0.33% |
| Q3 2024 | $8.63B | $7.42B | $6.50B | $1.14B | $88.3M | 1.38% | 3.58% | 0.31% |
Loan mix (Q2 2026): real estate $8.21B · commercial $2.08B · consumer $88.0M · securities $2.01B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Nicolet National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.23% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 11.3% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.55% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 54.9% | 77th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Nicolet National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Nicolet National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Nicolet National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Nicolet National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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