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Nicolet National Bank
Green Bay, WI·FDIC Cert #57038·Charter: OCC·Est. 20001031.0·HC: NICOLET BANKSHARES INC
Total Assets
$9.2B
Q4 2025
Return on Assets
1.66%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.86%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.66%+0.04
ROE
12.75%+0.29
Efficiency
48.86%-0.31
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.62%-2.17
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.4 | 1.4 | 1.5 | 1.5 | 1.6 | 1.7 |
| ROE | 10.1 | 10.2 | 10.5 | 10.9 | 11.3 | 11.8 | 12.5 | 12.8 |
| Efficiency | 54.6 | 53.4 | 53.0 | 52.2 | 50.9 | 50.3 | 49.2 | 48.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 87.4 | 87.9 | 87.7 | 86.5 | 86.5 | 88.3 | 87.8 | 85.6 |
Balance Sheet
Total Assets$9.2B
Total Deposits$7.9B
Total Loans$6.8B
Total Equity$1.2B
Profitability
ROA1.66%
ROE12.75%
Efficiency Ratio48.86%
Net Income$149.0M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate0.03%
Loan/Deposit85.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans