Nicolet National Bank
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Data as of · sourced from FFIEC call reports. How we update
Nicolet National Bank is an FDIC-insured commercial bank headquartered in Green Bay, WI, established in 2000 (FDIC certificate 57038), and it is supervised by the OCC. At Q2 2026 it reported total assets of $15.39B, the 2nd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 11.08% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57038
- Headquarters
- Green Bay, WI
- Established
- 2000
- Total assets, Q2 2026
- $15.39B
- CET1 ratio, Q2 2026
- 11.08%
- Domestic offices
- 119 FDIC institution directory, current count
- Routing number
- 075917937
- Latest call report
- Q2 2026, FFIEC 041 · Nicolet National Bank call report
- Holding company
- NICOLET BANKSHARES, INC.
- Asset rank in state
- 2nd of 153 in Wisconsin
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Nicolet National Bank is the 2nd largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $15.39B, loans fell 0.2% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 18.8% of total loans, followed by commercial and industrial loans at 18.5%. Its 115 offices in the FDIC Summary of Deposits are in 92 cities across 6 states; its Green Bay 4 offices book 16% of its branch deposits. On its Q2 2026 call report, Nicolet National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 119 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Nicolet National Bank's total assets ranged from $8.40B (Q3 2023) to $15.55B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$15.39B total assets against $8.92B; $13.09B total liabilities against $7.74B.
$11.14B net loans and leases against $6.78B; $12.95B total deposits against $7.68B.
$2.01B securities against $853.1M; $467.6M cash and balances due against $423.0M.
$200.8M total interest income against $117.6M; $57.3M total interest expense against $40.5M.
$143.5M net interest income against $77.1M.
$28.7M total noninterest income against $16.5M; $95.4M total noninterest expense against $48.0M.
$1.5M provision for credit losses against $1.1M.
$59.2M net income against $35.8M.
1.53% return on assets against 1.60%; 4.17% net interest margin against 3.81%.
11.08% CET1 capital ratio against 11.09%; 9.64% tier 1 leverage ratio against 9.67%.
Inside the full Nicolet National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 123 of 4,196, for total assets; its furthest is 1,936 of 2,134, for CET1 ratio.
Banks merged into Nicolet National Bank
- MidWestOne Bank, effective February 14, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q1 2026) to 1.80% (Q3 2025) and its net interest margin ran from 3.62% (Q3 2024) to 4.17% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.08% | 1.53% | 0.63% | 3.88% | 4.17% |
| Q1 2026 | 11.10% | 0.62% | 0.65% | 4.14% | 3.99% |
| Q4 2025 | 11.16% | 1.75% | 0.46% | 2.49% | 3.96% |
| Q3 2025 | 11.12% | 1.80% | 0.40% | 2.19% | 3.97% |
| Q2 2025 | 11.09% | 1.60% | 0.40% | 2.20% | 3.81% |
| Q1 2025 | 11.29% | 1.46% | 0.42% | 2.55% | 3.65% |
| Q4 2024 | 10.79% | 1.54% | 0.43% | 2.68% | 3.73% |
| Q3 2024 | 10.71% | 1.45% | 0.39% | 2.33% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 115 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Baylake Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | M&A | Acquired Baylake Bank merger for the acquired bank | SEC |
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Nicolet National Bank headquartered?
It is headquartered in Green Bay, WI, United States.
When was Nicolet National Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Nicolet National Bank FDIC-insured?
Yes. It 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.
What is Nicolet National Bank's CET1 capital ratio?
It 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?
It operates 119 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?
Its Texas Ratio is 3.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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