---
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"
generated_at: "2026-05-27T21:56:26.710017+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Nicolet Bankshares Q4 net income $34M, EPS $2.19; full-year net income $124M, NIM expands 29bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001174850-25-000002
- JSON: https://secwatch.observer/filing/0001174850-25-000002.json
- Plain text: https://secwatch.observer/filing/0001174850-25-000002.txt

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