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Nicolet Bankshares
Nicolet Bankshares (NIC) investor relations material
Nicolet Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Achieved record net income of $151 million for full year 2025, up from $124 million in 2024, and record diluted EPS of $9.78, a 21.5% increase year-over-year.
Fourth quarter 2025 net income was $40 million, with diluted EPS of $2.65, compared to $42 million and $2.73 in the prior quarter.
Strong core deposit growth of $497 million (7%) and loan growth of $210 million (3%) year-over-year.
Announced pending acquisition of MidWestOne, expected to close in Q1 2026, with integration planning underway.
Financial highlights
Net interest income for 2025 was $306 million, up $38 million from 2024, driven by higher rates and volumes.
Net interest margin improved to 3.76% for 2025, up 29 bps from 2024.
Noninterest income rose to $86 million, up $3 million year-over-year, with core categories growing but offset by lower net asset gains.
Noninterest expense increased $9 million to $201 million, mainly due to higher personnel and merger-related costs.
Quarterly cash dividend of $0.32 per share declared, payable March 16, 2026.
Outlook and guidance
Management expects the MidWestOne acquisition to close in Q1 2026, with integration to follow.
Leadership anticipates continued strong performance and sees the combined entity well-positioned for 2026.
MidWestOne integration: key next steps
Explain Q4 NIM stability despite rate changes.
What drove the increase in nonperforming assets?
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Next Nicolet Bankshares earnings date
Q1 202614 Apr, 2026
Nicolet Bankshares
Next Nicolet Bankshares earnings date
Q1 202614 Apr, 2026
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Frequently asked questions
Nicolet Bankshares Inc is a bank holding company that operates through its subsidiary, Nicolet National Bank. The company provides a range of financial services, including personal and commercial banking, wealth management, and mortgage services. Nicolet offers products such as checking and savings accounts, loans, credit cards, and investment services, catering to both individual customers and businesses. Its commercial banking division supports small to mid-sized businesses with tailored financial solutions, including lending, cash management, and treasury services. The company is headquartered in Green Bay, Wisconsin, and its shares are listed on the NYSE.
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