{"schema_version":"secwatch.filing_event.v1","accession":"0001174850-25-000002","form_type":"8-K","ticker":"NIC","cik":"0001174850","company_name":"NICOLET BANKSHARES INC","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.086270+00:00","generated_at":"2026-05-27T21:56:26.710017+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Nicolet Bankshares Q4 net income $34M, EPS $2.19; full-year net income $124M, NIM expands 29bps","bullets":["Q4 2024 net income $34M ($2.19 diluted EPS) vs Q3 2024 $33M ($2.10) and Q4 2023 $31M ($2.02).","Full-year 2024 net income $124M ($8.05 EPS); adjusted net income $121M vs 2023 GAAP $62M, adjusted $101M.","Net interest margin 3.47% for 2024, up 29 bps from 2023; tangible common equity to tangible assets 9.33%.","Year-end total assets $8.8B, up $328M (4%) YoY, driven by strong core earnings."],"urls":{"canonical":"https://secwatch.observer/filing/0001174850-25-000002","json":"https://secwatch.observer/filing/0001174850-25-000002.json","markdown":"https://secwatch.observer/filing/0001174850-25-000002.md","text":"https://secwatch.observer/filing/0001174850-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1174850/000117485025000002/0001174850-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1174850/000117485025000002/nic-20250121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:56:26.710017+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"}