{"schema_version":"secwatch.filing_event.v1","accession":"0001174850-25-000054","form_type":"8-K","ticker":"NIC","cik":"0001174850","company_name":"NICOLET BANKSHARES INC","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.931692+00:00","generated_at":"2026-05-17T02:26:59.612719+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Nicolet Bankshares Q3 2025 net income $42M record; EPS $2.73 diluted","bullets":["Net income $42M ($2.73 diluted EPS) vs. $36M ($2.34) prior quarter and $33M ($2.10) year ago.","Net interest margin 3.86%, up 14 bps QoQ; yield on earning assets 5.85%, cost of funds down 10 bps.","Core deposit growth $223M (13% annualized); total deposits up $70M to $7.6B.","Repurchased 155,393 shares for $21M during the quarter; assets $9.0B.","Nonperforming assets remain low at 0.31% of total assets; net charge-offs negligible."],"urls":{"canonical":"https://secwatch.observer/filing/0001174850-25-000054","json":"https://secwatch.observer/filing/0001174850-25-000054.json","markdown":"https://secwatch.observer/filing/0001174850-25-000054.md","text":"https://secwatch.observer/filing/0001174850-25-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1174850/000117485025000054/0001174850-25-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1174850/000117485025000054/nic-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:26:59.612719+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"}