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Jun 30, 2025
Nicolet Bankshares Q2 2025 Earnings Report
Nicolet Bankshares reported record net income in Q2 2025 driven by strong loan growth and improved net interest margin.
Key Takeaways
The company delivered record quarterly net income, supported by solid loan and core deposit growth, improved net interest margin, and seasonal mortgage revenue gains.
Record net income of $36M for Q2 2025
Net interest margin rose to 3.72%
Core deposits grew by $68M in the quarter
Repurchased 257,402 shares for $30M
Revenue by Segment
Forward Guidance
Management expressed confidence in sustaining momentum, citing healthy loan growth, stable rates, and strong profitability metrics likely to remain in the top decile of community banks.
Positive Outlook
- Healthy loan growth expected to continue
- Core deposits showing solid momentum
- Net interest margin growth supported by stable rates
- Mortgage revenues benefiting from housing demand in the upper Midwest
- Strong profitability metrics positioning in top decile of community banks
Challenges Ahead
- Market conditions remain volatile
- Dependence on stable interest rate environment
- Slight decline in total deposits due to brokered deposit reduction
- Lower cash balances impacting total assets
Historical Earnings Impact
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Avg. Return Before/After Earnings
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