secwatch.observer — SEC 8-K summary
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Issuer:     NICOLET BANKSHARES INC (NIC)
CIK:        0001174850
Form:       8-K
Filed at:   2025-10-23T23:59:59+00:00
Accession:  0001174850-25-000054
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Nicolet Bankshares Q3 2025 net income $42M record; EPS $2.73 diluted
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1174850/000117485025000054/0001174850-25-000054-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1174850/000117485025000054/nic-20251023.htm
  HTML page:      https://secwatch.observer/filing/0001174850-25-000054

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