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Dec 31, 2025
Nicolet Bankshares Q4 2025 Earnings Report
Nicolet Bankshares reported Q4 2025 results with a slight decrease in net income compared to the prior quarter, though performance remained strong across key financial metrics.
Key Takeaways
Nicolet Bankshares delivered solid Q4 results, maintaining a strong net interest margin and reporting stable profitability, despite a modest decline in net income from the prior quarter.
Net income for Q4 2025 was $40.3 million, slightly lower than Q3's $41.7 million
Diluted EPS for Q4 2025 was $2.65, with adjusted EPS at $2.73
Net interest margin held steady at 3.86% for the quarter
Noninterest income reached $23.1 million, supported by strong wealth management and card interchange income
Revenue by Segment
Forward Guidance
Nicolet expects to close its merger with MidWestOne in Q1 2026 and is optimistic about integration and future growth.
Positive Outlook
- MidWestOne merger expected to close in Q1 2026
- Strong cultural alignment anticipated post-merger
- Core deposit and loan growth remain healthy
- Well-positioned community banking model
- Stable net interest margin outlook
Challenges Ahead
- Integration risks associated with MidWestOne merger
- Potential for short-term merger-related expenses
- Economic environment could pressure margins
- Noninterest income may fluctuate with markets
- Higher expenses due to incentive and merger costs
Historical Earnings Impact
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Avg. Return Before/After Earnings
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