)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Nicolet Bankshares
Nicolet Bankshares (NIC) investor relations material
Nicolet Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 reported net income was $63.7 million and diluted EPS was $2.96; core/adjusted net income was $67.8 million and core/adjusted diluted EPS was $3.15.
At September 30, assets were $15.065 billion, loans $10.882 billion and deposits $12.597 billion; year-over-year increases were 66.8%, 58.3% and 65.5%, respectively.
The February 13 MidWestOne acquisition added $6.1 billion of assets, $4.4 billion of loans and $5.3 billion of deposits; 2026 results include partial-period contributions.
Financial highlights
Q3 net interest income was $142.2 million, up 0.5% QoQ and 79.4% YoY; net interest margin was 4.19%, up 5 bps QoQ and 33 bps YoY.
Noninterest income was $32.2 million, down 11.2% QoQ and up 36.3% YoY; noninterest expense was $91.3 million, including $4.6 million of merger-related expense.
Q3 net income was $63.7 million versus $41.7 million in Q3 2025; diluted EPS was $2.96 versus $2.73, and core diluted EPS was $3.15 versus $2.99 in Q2.
9M net income was $135.8 million versus $110.4 million; core net income was $184.4 million versus $109.8 million. 9M net interest income was $393.3 million, up 74% YoY.
9M noninterest income was $93.8 million, up 50% YoY; noninterest expense was $304.9 million, up 106%, largely reflecting MidWestOne. Merger-related expense was $52.7 million.
Outlook and guidance
Management expected a cleaner Q4, with focus on customer relationship growth and disciplined credit and expenses; continued non-core items could affect Q4 results.
One-year static-balance-sheet simulations showed NII changes of -2.2% and -4.5% under +100 bps and +200 bps scenarios, and +2.3% and +4.6% under -100 bps and -200 bps scenarios.
Available liquidity funding was $5.457 billion at September 30; liquidity was assessed as adequate for projected cash flow obligations.
2026 capital priorities included organic loan growth, share repurchases and cash dividends; future bank M&A was considered unlikely until 2027 or later.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Nicolet Bankshares
- All management proposals passed with strong shareholder support and no questions submitted.NIC
AGM 2025 - Q2 2026 net income surged, driven by MidWestOne integration and strong margin expansion.NICQ2 2026
- Q1 2026 saw major asset growth from acquisition, higher core earnings, and increased dividends.NICQ1 2026
- Record earnings, merger integration, and robust governance drive shareholder proposals.NICProxy filing
- Record Q3 2025 earnings, strong growth, and a transformative $864M merger announced.NICQ3 2025
- Record earnings, rising margins, and strong loan growth drove higher shareholder returns.NICQ2 2025
- Q3 2024 net income up 94% year-over-year, with strong loan growth and asset quality.NICQ3 2024
- Q2 2024 net income was $29.3M, with strong loan growth, margin expansion, and stable asset quality.NICQ2 2024
- Q1 2025 net income was $32.6M, with strong loan growth and expanded buyback authorization.NICQ1 2025
Next Nicolet Bankshares earnings date
Q4 202619 Jan, 2027
Nicolet Bankshares
Next Nicolet Bankshares earnings date
Q4 202619 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.