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Nicolet Bankshares
Nicolet Bankshares (NIC) investor relations material
Nicolet Bankshares Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary21 Apr, 2026
Executive summary
Completed the acquisition of MidWestOne on February 13, 2026, issuing 6.6 million shares valued at $1.0 billion, adding $6.1 billion in assets, $4.4 billion in loans, and $5.3 billion in deposits, making the company one of the largest community banks in the Upper Midwest.
Net income for Q1 2026 was $15 million, down from $40 million in Q4 2025 and $32.6 million in Q1 2025, primarily due to higher merger-related expenses and provision for credit losses.
Core net income (non-GAAP) was $52 million for Q1 2026, up from $42 million in Q4 2025.
Announced sale of Denver, Colorado branches acquired in the merger, with $390 million in loans and $380 million in deposits, expected to close in Q3 2026.
Increased quarterly dividend by 13% to $0.36 per share and restarted share repurchase program.
Financial highlights
Net interest income rose to $110 million in Q1 2026, up 54% year-over-year and 35% from Q4 2025, with net interest margin increasing 40 bps to 3.98%.
Noninterest income increased 39% to $25.3 million, led by wealth management and mortgage income.
Noninterest expense surged to $110 million, up 130% year-over-year and $57 million sequentially, mainly due to $39 million in merger-related costs.
Provision for credit losses was $6.1 million, up from $1.5 million in Q1 2025, mainly due to the acquisition.
Diluted EPS was $0.81 (GAAP) and $2.75 (core, non-GAAP) for Q1 2026, down from $2.08 in Q1 2025.
Outlook and guidance
Core conversion from the MidWestOne integration is scheduled for late summer 2026, with anticipated cost savings and a return to top decile core profitability.
Management expects continued integration of MidWestOne and ongoing focus on credit quality and capital strength.
Interest rate environment and economic conditions remain key variables for future performance.
Sale of Denver branches expected to close in Q3 2026, pending regulatory approval.
Next earnings release scheduled for July 21, 2026.
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Latest events from Nicolet Bankshares
- Record earnings, merger integration, and robust governance drive shareholder proposals.NIC
Proxy filing24 Mar 2026 - Record earnings, robust loan and deposit growth, and MidWestOne merger set stage for 2026.NICQ4 20253 Feb 2026
- Record earnings, strong governance, and focus on growth and sustainability highlighted.NICProxy Filing2 Dec 2025
- Virtual annual meeting set for May 19, 2025, with key votes on directors, auditor, and compensation.NICProxy Filing2 Dec 2025
- Record net income, robust loan and deposit growth, and a major merger to boost scale.NICQ3 202531 Oct 2025
- $864M all-stock merger forms a $15B+ Midwest bank, driving scale, synergies, and earnings accretion.NICM&A Announcement24 Oct 2025
- Net income hit $57M in H1 2024, with Q2 up 26% year-over-year on loan growth and margin gains.NICQ2 202410 Oct 2025
- Record earnings, strong loan growth, and robust capital highlight a solid financial performance.NICQ2 20251 Aug 2025
- Q3 2024 net income surged 94% year-over-year, driven by strong loan growth and asset quality.NICQ3 202413 Jun 2025
Next Nicolet Bankshares earnings date
Q2 202621 Jul, 2026
Nicolet Bankshares
Next Nicolet Bankshares earnings date
Q2 202621 Jul, 2026
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