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Overview / Commentary
111 N. Washington Street
Green Bay, WI 54301

Nicolet National Bank is headquartered in Green Bay and is the 9th largest bank in the state of Wisconsin. It is also the 560th largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 289 employees at 23 locations. Nicolet National Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Nicolet National Bank had $12.25 million in non-current loans and owned real-estate with $116.41 million in equity and loan loss allowances on hand to cover it. This gives Nicolet National Bank a Texas Ratio of 10.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Nicolet National Bank experienced no significant changes from 8.90% as of December 31, 2012 to 10.53% as of December 31, 2013, resulting in a negative change of 18.26%. This indicates that the balance sheet and financial strength for Nicolet National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Nicolet National Bank has increased its total deposits by $419.54 million, resulting in 67.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Nicolet National Bank has shown is excellent.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Nicolet National Bank has $1.18 billion in assets with $116.41 million in equity, resulting in a capitalization level of 9.83%, which is above average.

Institution Statistics

Overall
FDIC Certificate #57038
Year Established2000
Employees289
Primary RegulatorOCC
Assets and Liabilities
Assets$1.18 billion
Loans$839.61 million
Deposits$1.04 billion
Equity Capital$107.18 million
Loan Loss Allowance$9.23 million
Unbacked Noncurrent Loans$10.27 million
Real Estate Owned$1.99 million
Historic Data - December 2012
Assets$728.46 million
Equity Capital$73.99 million
Loan Loss Allowance$7.12 million
Unbacked Noncurrent Loans$10.27 million
Real Estate Owned$193,000
Profit Margin - Quarterly
Net Interest Margin4.42%
Return on Assets0.73%
Return on Equity7.5%
Interest Income$43.12 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Nicolet National Bank, we are a rate comparison website and can not provide official rates or promotions.

Nicolet National Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%$50k-Health Savings Account (HSA) Safe Harbor/Step Rate Option
0.30%$10k-Health Savings Account (HSA)
0.15%$1k-Nicolet Junior Savings
0.15%$2,500-IRA Savings Account
0.10%$100-Nicolet Savings

Nicolet National Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$250k-Relationship IRA Money Market Account:
0.35%$500k-Nicolet MVP Money Market Account
0.15%$5k-Nicolet Money Market Account

Nicolet National Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
3.00%-$15kReal Rewards Checking
0.05%--Real Rewards Checking

Nicolet National Bank CD Rates

DetailsAPYMINMAXPRODUCT
2.10%$1k-60 Month Relationship CD
1.85%$1k-60 Month CD
1.65%$1k-48 Month Relationship CD
1.40%$1k-48 Month CD
1.20%$1k-36 Month Relationship CD
1.10%$10k-42 Month Investor Choice Relationship CD
0.95%$1k-36 Month CD
0.85%$10k-42 Month Investor Choice CD
0.85%$10k-30 Month Investor Choice Relationship CD
0.80%$1k-24 Month Relationship CD
0.75%$1k-18 Month Relationship CD
0.65%$1k-12 Month Relationship CD
0.60%$10k-30 Month Investor Choice CD
0.55%$1k-24 Month CD
0.50%$1k-18 Month CD
0.40%$1k-12 Month CD
0.40%$1k-9 Month Relationship CD
0.35%$1k-6 Month Relationship CD
0.25%$1k-9 Month CD
0.25%$1k-Relationship 3 Month CD
0.20%$1k-6 Month CD
0.10%$1k-3 Month CD

Nicolet National Bank IRA Rates

DetailsAPYMINMAXPRODUCT
2.10%$1k-60 Month Relationship IRA
1.85%$1k-60 Month IRA
1.65%$1k-48 Month Relationship IRA
1.40%$1k-48 Month IRA
1.20%$1k-36 Month Relationship IRA
0.95%$1k-36 Month IRA
0.80%$1k-24 Month Relationship IRA
0.75%$1k-18 Month Relationship IRA
0.65%$1k-12 Month Relationship IRA
0.55%$1k-24 Month IRA
0.50%$1k-18 Month IRA
0.40%$1k-9 Month Relationship IRA
0.40%$1k-12 Month IRA
0.35%$1k-6 Month Relationship IRA
0.25%$1k-Relationship 3 Month IRA
0.25%$1k-9 Month IRA
0.20%$1k-6 Month IRA
0.10%$1k-3 Month IRA
Locations

Nicolet National Bank has 22 locations. Click to view all Nicolet National Bank locations.