BlastPoint's Banking Scorecard
Nicolet National Bank
Green Bay, WI
119 branches across WI · IA · MI · MN · CO · FL
Nicolet National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 25.0% in tier
- - Return on Assets 0.67% below tier average
- - Efficiency Ratio 20.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.5B
+73.5% YoY
+69.5% QoQ
|
-$31.8B |
$47.4B
-2.0% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.0% YoY
|
24% |
| Total Loans ? |
$11.2B
+66.8% YoY
+64.5% QoQ
|
-$18.5B |
$29.6B
-0.4% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.7% YoY
|
26% |
| Total Deposits ? |
$13.1B
+69.7% YoY
+65.6% QoQ
|
-$25.6B |
$38.7B
-1.6% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.0% YoY
|
24% |
| Return on Assets ? |
0.61%
-58.0% YoY
-63.1% QoQ
|
-0.67% |
1.28%
+19.3% YoY
|
1.50%
+15.4% YoY
|
1.24%
+13.1% YoY
|
Bottom 7.4% in tier |
| Net Interest Margin ? |
4.08%
+10.1% YoY
+4.0% QoQ
|
+0.31% |
3.77%
+5.6% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
74.17%
+45.8% YoY
+51.8% QoQ
|
+20.27% |
53.90%
-4.0% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% YoY
|
Bottom 5.9% in tier |
| Delinquency Rate ? |
0.66%
+55.5% YoY
+41.1% QoQ
|
-0.36% |
1.02%
-4.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
85.04%
-1.7% YoY
-0.7% QoQ
|
+4.16% |
80.88%
+2.0% YoY
|
86.53%
+1.6% YoY
|
76.69%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
20.73%
-13.2% YoY
-18.6% QoQ
|
+0.91% |
19.82%
+0.3% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.51%
+56.8% YoY
+45.2% QoQ
|
-0.21% |
0.73%
+4.0% YoY
|
0.63%
+35.0% YoY
|
0.66%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.10%
-1.6% YoY
-0.5% QoQ
|
-4.46% |
15.56%
-0.1% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
-18.0% YoY
-82.1% QoQ
|
-0.10% |
0.23%
+0.9% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.0% YoY
|
38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.