Nicolet National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.31 percentage points lower than in Q1 2026, at 210.99%. Nicolet National Bank ranks 85th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 87.02% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Nicolet National Bank reported 87.02% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.27B |
| Net loans and leases | $11.14B |
| Loans held for sale | $421.3M |
| Loans to total assets | 73.22% |
| Loan-to-deposit ratio | 87.02% |
| Net loans to equity capital | 4.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.44% |
| Multifamily (5+ residential) | 6.54% |
| Commercial and industrial | 18.45% |
| Consumer | 0.78% |
| Credit cards | 0.18% |
| Farm | 10.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.99% |
| Construction concentration (Tier 1 capital + allowance) | 47.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.23% |
| Interest income on loans | $174.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.25B | $7.23B | 30.12% | 18.52% | 0.89% |
| Q4 2023 | $6.36B | $7.29B | 29.15% | 19.08% | 0.88% |
| Q1 2024 | $6.40B | $7.25B | 29.07% | 19.39% | 0.87% |
| Q2 2024 | $6.54B | $7.37B | 28.22% | 19.85% | 0.90% |
| Q3 2024 | $6.57B | $7.42B | 28.09% | 19.63% | 0.93% |
| Q4 2024 | $6.63B | $7.59B | 28.14% | 18.83% | 0.84% |
| Q1 2025 | $6.75B | $7.73B | 27.79% | 19.74% | 0.57% |
| Q2 2025 | $6.85B | $7.68B | 27.69% | 19.39% | 0.63% |
| Q3 2025 | $6.89B | $7.77B | 27.06% | 19.39% | 0.64% |
| Q4 2025 | $6.85B | $7.92B | 26.90% | 18.60% | 0.61% |
| Q1 2026 | $11.29B | $13.11B | 30.71% | 18.36% | 0.77% |
| Q2 2026 | $11.27B | $12.95B | 30.44% | 18.45% | 0.78% |
Nicolet National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nicolet National Bank, freeSource: Call Report Schedule RC-C, 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)