Nicolet National Bank
Green Bay, WI · Cert 57038 · Peer group: banks over $10B in assets (n=142-144) · Nicolet Bankshares Inc.
National charter · OCC · 115 branches
Q2 2026
$15.4BAssets
$11.3BLoans
$13.0BDeposits
$2.3BEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 91% of banks over $10B in assets (rank 14 of 142).
- Widest gap: total risk-based capital ratio trails 94% of banks over $10B in assets (rank 136 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.02%
Rank 103 of 144
Net Interest Margin
3.50%
Rank 55 of 144
Efficiency Ratio
64.89%
Rank 116 of 144
Equity / Assets
14.96%
Rank 13 of 144
Non-interest income vs. expense
Unfavorable gap of $296.6M · efficiency ratio beats 20% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 1.00% | 1.26% | 1.54% | Beats 28% | 103 / 144 | | |
| Return on Equity | 6.79% | 8.98% | 11.34% | 14.40% | Beats 11% | 128 / 144 | | |
| Net Interest Margin | 3.50% | 2.82% | 3.31% | 3.68% | Beats 62% | 55 / 144 | | |
| Efficiency Ratio | 64.89% | 49.42% | 56.02% | 62.41% | Beats 20% | 116 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.48% | 0.73% | 1.07% | Beats 58% | 60 / 142 | | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.11% | 0.22% | Beats 91% | 14 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 11.08% | 12.07% | 12.98% | 14.92% | Beats 6% | 136 / 144 | | |
| Total Risk-Based Capital Ratio | 12.20% | 13.39% | 14.14% | 16.25% | Beats 6% | 136 / 144 | | |
| Equity / Assets | 14.96% | 9.69% | 11.39% | 12.96% | Beats 91% | 13 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.02% | 75.72% | 84.92% | 91.56% | 57th pctl | 61 / 143 | | |
| Loans / Assets | 73.22% | 59.83% | 69.07% | 74.80% | 67th pctl | 47 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |