Nicolet National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Nicolet National Bank operates with a thinner capital cushion than most banks of its size. Based in Green Bay, Wisconsin, it had $15.4 billion in assets at June 30, 2026, against $8.9 billion a year earlier. It holds common equity equal to 11.08% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also grew its loan book 64.5% over the year, 10.2 times the median of 6.3% for banks its size.
Earnings jumped: net income for the quarter was $59 million, 65% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.48% of loans, against 0.26% a year earlier.
As of June 30, 2026, Nicolet National Bank reported a CET1 capital ratio of 11.08%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 3.88%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 N Washington St, Green Bay, WI 54301
- County
- Brown
- Metro Area
- Green Bay, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 31, 2000
- Offices
- 117 domestic
- Employees (FTE)
- 1,632
- Domestic deposits
- $12.95B
- Allowance for credit losses
- $133.6M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $15.51B
- Average total loans
- $11.26B
- Average interest-bearing deposits
- $10.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 31, 2000
- FDIC Cert
- 57038
- Fed RSSD
- 2941068
- SEC CIK
- 1174850 → filed by NICOLET BANKSHARES, INC.
- Website
- www.nicoletbank.com →
- Parent Holding Company
- NICOLET BANKSHARES, INC. (RSSD 3103603) · NIC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael E Daniels | CEO | Chairman, President & CEO |
| Moore Hubert Phillip Jr | CFO | CFO |
| Hutjens Brad Vincent | CCO | EVP - CCO - Nicolet Natl Bank |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Nicolet National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Nicolet National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Nicolet National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 1.53% | 0.63% | 5.09% | 4.17% |
| Q1 2026 | 11.10% | 0.62% | 0.65% | 5.40% | 3.99% |
| Q4 2025 | 11.16% | 1.75% | 0.46% | 3.69% | 3.96% |
| Q3 2025 | 11.12% | 1.80% | 0.40% | 3.25% | 3.97% |
| Q2 2025 | 11.09% | 1.60% | 0.40% | 3.34% | 3.81% |
| Q1 2025 | 11.29% | 1.46% | 0.42% | 3.44% | 3.65% |
| Q4 2024 | 10.79% | 1.54% | 0.43% | 3.61% | 3.73% |
| Q3 2024 | 10.71% | 1.45% | 0.39% | 3.25% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 115 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Nicolet National Bank (main office) | Green Bay , WI | 54301 | $1.56B |
| Midwestone Bank Branch | Iowa City , IA | 52240 | $569.6M |
| Main St Downtown - Branch 63 | Dubuque , IA | 52001 | $415.3M |
| Eau Claire Clairemont Branch | Eau Claire , WI | 54701 | $411.4M |
| Denver Branch 15 Branch | Denver , CO | 80218 | $345.1M |
| Sturgeon Bay - Downtown Branch | Sturgeon , WI | 54235 | $321.7M |
| Manitowoc Branch | Manitowoc , WI | 54220 | $308.9M |
| Oshkosh Branch | Oshkosh , WI | 54904 | $268.2M |
| Grand Chute Branch | Grand Chute , WI | 54913 | $241.8M |
| Muscatine 35 Branch | Muscatine , IA | 52761 | $221.6M |
| Oskaloosa Motor Bank - Branch 300 | Oskaloosa , IA | 52577 | $215.7M |
| Medford Branch | Medford , WI | 54451 | $203.6M |
| Fairfield 09 Branch | Fairfield , IA | 52556 | $202.5M |
| Howard Branch | Green Bay , WI | 54303 | $197.4M |
| Sister Bay Branch | Sister Bay , WI | 54234 | $192.1M |
| Wausau 28th Ave Branch | Wausau , WI | 54401 | $178.6M |
| Eagle River Branch | Eagle River , WI | 54521 | $172.9M |
| Neenah Branch | Neenah , WI | 54956 | $171.1M |
| Ashwaubenon Office Branch | Green Bay , WI | 54304 | $164.8M |
| Green Bay - Huron Road Branch | Green Bay , WI | 54311 | $154.0M |
| Kewaunee - Main Street Branch | Kewaunee , WI | 54216 | $147.9M |
| Sturgeon Bay West Side Branch | Sturgeon Bay , WI | 54235 | $147.7M |
| Kennedy Road - Branch 65 | Dubuque , IA | 52002 | $146.4M |
| Stillwater - Branch 21 | Stillwater , MN | 55082 | $139.6M |
| Appleton - Nicolet Road Branch | Appleton , WI | 54914 | $133.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2026 | M&A | Acquired MidWestOne Bank merger for the acquired bank | SEC |
| February 14, 2026 | Structure Change | Acquired MidWestOne Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 27, 2022 | M&A | Acquired Charter Bank merger for the acquired bank | SEC |
| August 27, 2022 | Structure Change | Acquired Charter Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 26, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2021 | M&A | Acquired Investors Community Bank merger for the acquired bank | SEC |
| December 4, 2021 | Structure Change | Acquired Investors Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 4, 2021 | M&A | Acquired mBank merger for the acquired bank | SEC |
| September 4, 2021 | Structure Change | Acquired mBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 3, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | M&A | Acquired Advantage Community Bank merger for the acquired bank | SEC |
| August 22, 2020 | Structure Change | Acquired Advantage Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 2019 | M&A | Acquired Choice Bank merger for the acquired bank | SEC |
| November 9, 2019 | Structure Change | Acquired Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2017 | M&A | Acquired The First National Bank - Fox Valley merger for the acquired bank | SEC |
| April 29, 2017 | Structure Change | Acquired The First National Bank - Fox Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 28, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 30, 2016 | M&A | Acquired Baylake Bank merger for the acquired bank | SEC |
| April 30, 2016 | Structure Change | Acquired Baylake Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 10, 2013 | M&A | Acquired Bank of Wausau failure_government_assistance_provided for the acquired bank | SEC |
| August 10, 2013 | Structure Change | Acquired Bank of Wausau Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 9, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 27, 2013 | M&A | Acquired Mid-Wisconsin Bank merger for the acquired bank | SEC |
| April 27, 2013 | Structure Change | Acquired Mid-Wisconsin Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Nicolet National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 10, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.4% of deposits in WI, rank 5 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,215 applications, 2,762 loans originated, $751.6M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 68 loans, $46.3M approved, $681K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Nicolet National Bank
What are Nicolet National Bank's total assets?
As of the Q2 2026 filing, Nicolet National Bank reported total assets of $15.39 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Nicolet National Bank headquartered?
Nicolet National Bank is headquartered in Green Bay, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Nicolet National Bank founded?
Nicolet National Bank was established in 2000, per the FDIC institution directory.
Is Nicolet National Bank FDIC-insured?
Yes. Nicolet National Bank is an FDIC-insured commercial bank (FDIC Certificate #57038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nicolet National Bank?
Nicolet National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Nicolet National Bank's CET1 capital ratio?
Nicolet National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does Nicolet National Bank operate?
Nicolet National Bank operates 117 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nicolet National Bank's Texas Ratio?
Nicolet National Bank's Texas Ratio is 3.88% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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