secwatch.observer — SEC 8-K summary
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Issuer:     NICOLET BANKSHARES INC (NIC)
CIK:        0001174850
Form:       8-K
Filed at:   2026-01-20T23:59:59+00:00
Accession:  0001174850-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Nicolet reports record 2025 net income $151M; EPS $9.78; dividend $0.32; merger with MidWest One on track
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- Record full-year 2025 net income $151M (vs. $124M in 2024); diluted EPS $9.78, up 21.5% YoY.
- Q4 2025 net income $40M, EPS $2.65; net interest margin 3.86% unchanged QoQ.
- Core deposits grew $497M (7%) YoY; loans grew $210M (3%); NIM expanded 29 bps to 3.76% for full year.
- Quarterly dividend declared: $0.32/share, payable March 16, 2026; record date March 2, 2026.
- Merger with MidWest One expected to close Q1 2026 pending regulatory and shareholder approvals.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1174850/000117485026000004/0001174850-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1174850/000117485026000004/nic-20260120.htm
  HTML page:      https://secwatch.observer/filing/0001174850-26-000004

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