secwatch.observer — SEC 8-K summary
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Issuer:     NICOLET BANKSHARES INC (NIC)
CIK:        0001174850
Form:       8-K
Filed at:   2025-07-15T23:59:59+00:00
Accession:  0001174850-25-000033
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Nicolet reports record Q2 net income of $36M; EPS $2.34, up from $2.08 in Q1
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- Net income $36M, EPS $2.34 vs $33M ($2.08) in Q1 2025 and $29M ($1.92) in Q2 2024.
- Net interest margin 3.72%, up 14 bps sequentially; ROAA 1.62%, highest since March 2023 restructuring.
- Loan growth of $94M (5.6% annualized) and core deposit growth of $68M (4.1% annualized).
- Repurchased 257,402 shares for $30M during Q2; nonperforming assets 0.32% of total assets.
- CEO cites solid performance across loans, deposits, and mortgage; profitability near top decile of community banks.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1174850/000117485025000033/0001174850-25-000033-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1174850/000117485025000033/nic-20250715.htm
  HTML page:      https://secwatch.observer/filing/0001174850-25-000033

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer