Nicolet National Bank (FDIC #57038): Bank Stress & Real-Estate Credit Exposure
Nicolet National Bank (FDIC Cert #57038): bank stress 50/100, moderate, STABLE over 7 days; parent NICOLET BANKSHARES INC (NIC).
Nicolet National Bank (#57038) lends in 59 counties across 6 states; Nicolet National Bank (#57038) reaches 923 ZIP codes: Wisconsin 20 counties, 275 ZIPs; Iowa 17 counties, 303 ZIPs; Michigan 12 counties, 109 ZIPs; Minnesota 8 counties, 171 ZIPs; Colorado 1 county, 41 ZIPs; Florida 1 county, 24 ZIPs.
Nicolet National Bank (#57038) largest markets: Hennepin County, MN (219 branches, 73 ZIPs) (#57038), Polk County, IA (42 branches, 42 ZIPs) (#57038), Denver County, CO (123 branches, 41 ZIPs) (#57038), Linn County, IA (30 branches, 30 ZIPs) (#57038), Marathon County, WI (87 branches, 29 ZIPs) (#57038), Dallas County, IA (50 branches, 25 ZIPs) (#57038).
Nicolet National Bank (#57038) reports $15.39 billion in total assets; Nicolet National Bank (#57038) equity $2.30 billion (15.0% of Nicolet National Bank (#57038) assets); Nicolet National Bank (#57038) domestic deposits $12.95 billion; Nicolet National Bank (#57038) net income $78.1 million; Nicolet National Bank (#57038) return on assets 1.17%; Nicolet National Bank (#57038) return on equity 8.08%; Nicolet National Bank (#57038) net interest income $255.0 million; Nicolet National Bank (#57038) call report June 30, 2026.
Nicolet National Bank (#57038) noncurrent real-estate loans: none reported; Nicolet National Bank (#57038) net charge-offs on real estate 0.61%; Nicolet National Bank (#57038) multifamily charge-offs 0.03%; Nicolet National Bank (#57038) residential charge-offs 0.90%.
Nicolet National Bank (#57038) net interest margin 4.33% against an eight-quarter Nicolet National Bank (#57038) average of 3.87% (Nicolet National Bank (#57038) compression -0.46 points); Nicolet National Bank (#57038) real-estate loans 0.3% of equity; Nicolet National Bank (#57038) non-residential real estate 90.1% of equity; Nicolet National Bank (#57038) rate-exposure score 40/100, Nicolet National Bank (#57038) fixed-rate trap 40/100; Nicolet National Bank (#57038) risk type credit driven; Nicolet National Bank (#57038) rate regime rates elevated; Nicolet National Bank (#57038) shares 8.3% below the 52-week high, Nicolet National Bank (#57038) equity trend stable, Nicolet National Bank (#57038) snapshot October 20, 2026.
Nicolet National Bank (#57038) stress score moved from 59.4 on June 22, 2026 to 49.7 on October 20, 2026; Nicolet National Bank (#57038) ranged 49.7 to 59.4 over 117 snapshots.
Nicolet National Bank (#57038) alerts: 39 counties; top Nicolet National Bank (#57038) alert scores: Eau Claire County, WI 38 (moderate); Manitowoc County, WI 30 (low); Marquette County, WI 20 (low); Alpena County, WI 19 (low); Appleton County, WI 19 (low).