Green Bay, WI · Cert 57038 · Nicolet Bankshares Inc.
National charter · OCC · 115 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 18.0% share · #2 of 20 inst. · $2.7B of $14.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.63% | 1.66% | 0.61% | 1.17% | -37 bps | |
| Return on Equity | 11.79% | 12.46% | 12.75% | 4.33% | 8.08% | -371 bps | |
| Net Interest Margin | 3.51% | 3.57% | 3.56% | 3.95% | 3.50% | -1 bps | |
| Efficiency Ratio | 50.28% | 49.17% | 48.86% | 74.17% | 61.51% | +1,123 bps | |
| Non-Interest Burden | 1.42% | 1.38% | 1.37% | 2.67% | 1.91% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.36% | 4.52% | 4.39% | 73.49% | 72.60% | +6,824 bps | |
| Loan Growth (YoY) | 4.75% | 4.84% | 3.25% | 67.12% | 64.54% | +5,979 bps | |
| Deposit Growth (YoY) | 4.29% | 4.69% | 4.30% | 69.66% | 68.59% | +6,430 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.40% | 0.46% | 0.65% | 0.63% | +23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.03% | 0.03% | 0.03% | +1 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.18% | 1.19% | +19 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.5x | 2.2x | 1.8x | 1.9x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.67% | 9.64% | 9.49% | 12.47% | 9.64% | -3 bps | |
| Total Risk-Based Capital | 12.05% | 12.08% | 12.12% | 12.21% | 12.20% | +15 bps | |
| Equity / Assets | 13.15% | 13.12% | 12.98% | 14.84% | 14.96% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.16% | 88.68% | 86.49% | 86.06% | 87.02% | -214 bps | |
| Liquid Assets / Assets | 3.29% | 4.22% | 6.03% | 3.17% | 2.04% | -125 bps | |
| CRE / Total Capital | n/a | 310% | 305% | 352% | n/a | n/a | |