BlastPoint's Banking Scorecard
Nicolet National Bank
Mid-Market
Specialty: Commercial
WI
FDIC cert 57038
Green Bay, WI
201
banks in Mid-Market tier nationally
2 in WI
View Mid-Market leaderboard (WI) →
Nicolet National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 44% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Mid-Market
- - Credit Quality Pressure: Bottom 21% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.2B
+4.4% YoY
+1.7% QoQ
|
-$1.3B |
$10.5B
+2.9% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$6.8B
+3.2% YoY
-0.5% QoQ
|
-$350.2M |
$7.1B
+4.5% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$7.9B
+4.3% YoY
+2.0% QoQ
|
-$619.5M |
$8.5B
+3.0% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.66%
+16.5% YoY
+2.2% QoQ
|
+0.50% |
1.16%
+9.4% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.93%
+7.8% YoY
+1.1% QoQ
|
+0.53% |
3.40%
+7.9% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
48.86%
-6.4% YoY
-0.6% QoQ
|
-7.75% |
56.60%
-3.2% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.47%
+8.0% YoY
+16.0% QoQ
|
-0.22% |
0.68%
+12.0% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
85.62%
-1.0% YoY
-2.5% QoQ
|
+0.15% |
85.47%
+1.1% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
25.48%
+304.9% YoY
-0.1% QoQ
|
+4.84% |
20.64%
-0.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.35%
+6.4% YoY
+12.6% QoQ
|
-0.15% |
0.50%
+7.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
11.16%
+3.4% YoY
+0.3% QoQ
|
-2.39% |
13.55%
+1.8% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.72%
+0.1% YoY
+34.2% QoQ
|
-0.24% |
0.96%
+7.1% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#23 of 51 · Top 44% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.66%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#12 of 87 · Bottom 13% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#24 of 113 · Bottom 21% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.47%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 48.86% · Tier avg: 56.60%
74
74th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.40%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.48% · Tier avg: 20.64%
62
62th pctile
Total Deposits
Current: $7.9B · Tier avg: $8.5B
61
61th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
61
61th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
58
58th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
57
57th pctile
Total Assets
Current: $9.2B · Tier avg: $10.5B
57
57th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
45
45th pctile
Loan-to-Deposit Ratio
Current: 85.62% · Tier avg: 85.47%
16
16th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 13.55%
Top Weaknesses
16
16th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 13.55%
45
45th pctile
Loan-to-Deposit Ratio
Current: 85.62% · Tier avg: 85.47%
57
57th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.96%
57
57th pctile
Total Assets
Current: $9.2B · Tier avg: $10.5B
58
58th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
61
61th pctile
Total Loans
Current: $6.8B · Tier avg: $7.1B
61
61th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
62
62th pctile
Total Deposits
Current: $7.9B · Tier avg: $8.5B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.48% · Tier avg: 20.64%
74
74th pctile
Net Interest Margin
Current: 3.93% · Tier avg: 3.40%
79
79th pctile
Efficiency Ratio
Current: 48.86% · Tier avg: 56.60%
83
83th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%