Nicolet National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nicolet National Bank of Green Bay, WI against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.53% | 1.35% | +0.18% | 70th above |
| ROAE | 10.27% | 12.29% | -2.02% | 40th below |
| Net Interest Margin | 4.17% | 3.68% | +0.49% | 85th top |
| Efficiency Ratio | 51.53% | 53.82% | -2.29% | 62nd above |
| PPNR / Avg Assets | 1.98% | 1.96% | +0.02% | 64th above |
| Yield on Earning Assets | 5.83% | 5.57% | +0.26% | 81st top |
| Cost of Funds | 1.76% | 2.00% | -0.24% | 61st above |
| Net Interest Spread | 3.59% | 2.98% | +0.61% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.63% | 1.05% | -0.42% | 68th above |
| NPA / Total Assets | 0.49% | 0.76% | -0.27% | 62nd above |
| NCO / Avg Loans | 0.02% | 0.36% | -0.34% | 84th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.37% | -0.18% | 54th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 186.71% | 210.04% | -23.33% | 65th above |
| Texas Ratio | 5.09% | 10.26% | -5.17% | 62nd above |
| Provision / NCO | 144.88% | 107.26% | +37.62% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.08% | 14.76% | -3.68% | 4th bottom |
| Tier 1 Ratio | 11.08% | 14.88% | -3.80% | 4th bottom |
| Total Capital Ratio | 12.20% | 16.10% | -3.90% | 7th bottom |
| Leverage Ratio | 9.64% | 10.27% | -0.63% | 29th below |
| Equity / Assets | 14.96% | 11.53% | +3.43% | 89th top |
| TCE / Tangible Assets | 9.29% | 9.48% | -0.19% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.02% | 83.87% | +3.15% | 47th below |
| Core Deposit Ratio | 90.57% | 86.75% | +3.82% | 50th above |
| Uninsured Deposit Ratio | 33.24% | 38.96% | -5.72% | 67th above |
| Wholesale Funding Ratio | 0.05% | 5.67% | -5.62% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 72.60% | 9.84% | +62.76% | 97th top |
| Loan Growth (Y/Y) | 64.54% | 9.91% | +54.63% | 98th top |
| Deposit Growth (Y/Y) | 68.59% | 9.72% | +58.87% | 98th top |
See Nicolet National Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nicolet National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Nicolet National Bank profile, how to read a UBPR, or how this data updates.