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FIXnotes

NICOLET NATIONAL BANK

BANK

GREEN BAY, WI · N

Total Assets
$15.5B
Total Loans
$11.3B
3.3%
+0.7
NICOLET NATIONAL BANK in WI reported a Texas ratio of 3.3% in Q1 2026, up +0.7pp from the prior quarter. Nonperforming assets rose to 0.65%, an increase of +0.19pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)
Commercial real estate
Construction & land
FOUNDATION Multifamily Unlock to view
FOUNDATION Non-residential CRE Unlock to view
FOUNDATION Residential real estate Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION Other loans Unlock to view
FOUNDATION 1-4 family — 1st lien Unlock to view
FOUNDATION 1-4 family — junior lien Unlock to view
FOUNDATION 1-4 family — HELOC Unlock to view
FOUNDATION Multifamily Unlock to view
FOUNDATION CRE — owner-occupied Unlock to view
FOUNDATION CRE — non-owner-occupied Unlock to view
FOUNDATION Construction — 1-4 family Unlock to view
FOUNDATION Construction — other Unlock to view
FOUNDATION Commercial & industrial Unlock to view
FOUNDATION Consumer Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Wisconsin mortgage-note market & lender distress →

Recent acquisitions

Institutions NICOLET NATIONAL BANK absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • MidWestOne BankIowa City, IA · Feb 13, 2026 · Merger
    Inherited NPL volume
    $32M
    Inherited NPL %
    0.70%
    Total loans inherited
    $4.5B
    Total assets inherited
    $6.3B
    YTD charge-offs (at close)
    $20M
    Last filing
    Dec 31, 2025