{"schema_version":"secwatch.filing_event.v1","accession":"0001174850-21-000075","form_type":"8-K","ticker":"NIC","cik":"0001174850","company_name":"NICOLET BANKSHARES INC","filed_at":"2021-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.786836+00:00","generated_at":"2026-06-28T19:52:38.386475+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Nicolet Q3 net income falls to $7.8M on Mackinac acquisition costs; County Bancorp merger to close Dec 3","bullets":["Q3 2021 net income of $7.8M ($0.73 diluted EPS) vs $18.3M ($1.77) in Q2 2021, impacted by Mackinac acquisition integration costs.","Mackinac acquisition closed Sep 3: added $1.5B assets, total purchase price $229M (2.3M shares + $49M cash).","County Bancorp merger received all regulatory and shareholder approvals; expected to close Dec 3, 2021.","Net interest margin declined 51bps to 2.94%; share repurchases of 233,594 shares for $17.1M during quarter.","Nonperforming assets increased to $21M (0.33% of assets) from $10M due to Mackinac; credit metrics remain strong."],"urls":{"canonical":"https://secwatch.observer/filing/0001174850-21-000075","json":"https://secwatch.observer/filing/0001174850-21-000075.json","markdown":"https://secwatch.observer/filing/0001174850-21-000075.md","text":"https://secwatch.observer/filing/0001174850-21-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1174850/000117485021000075/0001174850-21-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1174850/000117485021000075/ncbs-20211019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T19:52:38.386475+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}