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Nicolet Bankshares (NIC) investor relations material
Nicolet Bankshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary15 Jul, 2025
Executive summary
Net income for the six months ended June 30, 2025 was $68.6 million, up from $57.1 million year-over-year; diluted EPS rose to $4.42 from $3.74.
Achieved record quarterly net income of $36 million for Q2 2025, up from $33 million in Q1 2025 and $29 million in Q2 2024.
Total assets reached $8.93 billion, a 2% increase from December 31, 2024, driven by loan growth.
Loans grew by $213 million (3%) since year-end, with commercial and industrial loans leading the increase.
Deposits increased by $138 million (2%) to $7.54 billion, with growth in both core and brokered deposits.
Financial highlights
Net interest income for the first half of 2025 was $146.3 million, up 14% year-over-year; net interest margin improved to 3.65% from 3.37%.
Net interest income reached $75 million in Q2 2025, $4 million higher than Q1 2025, driven by loan growth.
Noninterest income was $38.9 million for the first half, nearly flat year-over-year; Q2 noninterest income was $21 million, up $2 million sequentially.
Noninterest expense rose 4% to $97.7 million for the first half, mainly due to higher personnel and technology costs.
Allowance for credit losses on loans was $68 million, representing 1.00% of total loans.
Outlook and guidance
Management expects continued loan and deposit growth, with a focus on maintaining strong asset quality and capital levels.
Profitability metrics are likely to place the company near the top decile of community banks.
Interest rate environment and economic conditions remain key variables for future net interest income and margin.
Explain the drivers of NIM increase.
Discuss trends in commercial real estate loans.
How did stock repurchases impact capital?
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Next Nicolet Bankshares earnings date
Q3 202521 Oct, 2025
Next Nicolet Bankshares earnings date
Q3 202521 Oct, 2025
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Frequently asked questions
Nicolet Bankshares Inc is a bank holding company that operates through its subsidiary, Nicolet National Bank. The company provides a range of financial services, including personal and commercial banking, wealth management, and mortgage services. Nicolet offers products such as checking and savings accounts, loans, credit cards, and investment services, catering to both individual customers and businesses. Its commercial banking division supports small to mid-sized businesses with tailored financial solutions, including lending, cash management, and treasury services. The company is headquartered in Green Bay, Wisconsin, and its shares are listed on the NYSE.
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