---
schema_version: "secwatch.filing_event.v1"
accession: "0001174850-23-000004"
form_type: "8-K"
ticker: "NIC"
cik: "0001174850"
company_name: "NICOLET BANKSHARES INC"
filed_at: "2023-01-17T23:59:59+00:00"
generated_at: "2026-06-20T14:30:57.215654+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Nicolet reports Q4 net income $28M ($1.83 EPS); full-year net income $94M ($6.56 EPS)

## Summary
- Adjusted Q4 EPS $1.84; full-year adjusted EPS $6.90; record net income of $94M for 2022.
- Net interest income Q4 $68M, up $5M QoQ; full-year $240M, up $82M vs 2021.
- Total loans $6.2B, up 34% YoY; organic loan growth 14% excluding acquisitions and repurchases.
- Total deposits $7.2B, down 3% QoQ; nonperforming assets 0.46% of total assets.
- Completed Charter acquisition in August 2022 adding $1.1B assets, $827M loans, $869M deposits.

## SEC filing metadata
- accession: 0001174850-23-000004
- form_type: 8-K
- ticker: NIC
- cik: 0001174850
- company_name: NICOLET BANKSHARES INC
- filed_at: 2023-01-17T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1174850/000117485023000004/0001174850-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1174850/000117485023000004/nic-20230117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174850-23-000004
- JSON: https://secwatch.observer/filing/0001174850-23-000004.json
- Plain text: https://secwatch.observer/filing/0001174850-23-000004.txt

## Key facts
- Earnings Releases
  NICOLET BANKSHARES INC reported the quarter and year ended December 31, 2022 results: net income $28 million, EPS $1.83.
  - Period: the quarter and year ended December 31, 2022
  - Net income: $28 million
  - EPS: $1.83
  - Result: reported results
  source text: On January 17, 2023, Nicolet Bankshares, Inc. (“Nicolet”) announced its earnings for the quarter and year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1174850/000117485023000004/0001174850-23-000004-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.