Nicolet National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets dropped 4.02 percentage points in Q2 2026, from 18.87% to 14.85%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Nicolet National Bank is 73rd of 85 on CET1 ratio, 11.08% as of Q2 2026, below the middle of the field. Nicolet National Bank reported 11.08% on CET1 ratio for Q2 2026, 1.88 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.08% |
| Tier 1 risk-based capital ratio | 11.08% |
| Total risk-based capital ratio | 12.20% |
| Tier 1 leverage ratio | 9.64% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.41B |
| Tier 1 capital | $1.41B |
| Total risk-based capital | $1.55B |
| Total equity capital | $2.30B |
| Risk-weighted assets | $12.68B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.96% |
| Tangible equity to tangible assets | 9.29% |
| Equity capital to average assets | 14.85% |
| Internal capital growth rate | -1.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.2M |
| Common stock surplus | $2.23B |
| Retained earnings | $102.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.39% | 11.39% | 12.21% | 9.89% | $7.07B |
| Q4 2023 | 10.73% | 10.73% | 11.55% | 9.44% | $7.17B |
| Q1 2024 | 11.08% | 11.08% | 11.96% | 9.87% | $7.18B |
| Q2 2024 | 10.74% | 10.74% | 11.62% | 9.65% | $7.33B |
| Q3 2024 | 10.71% | 10.71% | 11.58% | 9.58% | $7.40B |
| Q4 2024 | 10.79% | 10.79% | 11.67% | 9.53% | $7.40B |
| Q1 2025 | 11.29% | 11.29% | 12.24% | 9.75% | $7.36B |
| Q2 2025 | 11.09% | 11.09% | 12.05% | 9.67% | $7.48B |
| Q3 2025 | 11.12% | 11.12% | 12.08% | 9.64% | $7.49B |
| Q4 2025 | 11.16% | 11.16% | 12.12% | 9.49% | $7.49B |
| Q1 2026 | 11.10% | 11.10% | 12.21% | 12.47% | $12.68B |
| Q2 2026 | 11.08% | 11.08% | 12.20% | 9.64% | $12.68B |
Nicolet National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Nicolet National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Nicolet National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57038) · FFIEC NIC profile (RSSD 2941068)