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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 March of 2014, it had grown to 287 employees at 23 locations. Nicolet National Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Nicolet National Bank had $10.31 million in non-current loans and owned real-estate with $120.25 million in equity and loan loss allowances on hand to cover it. This gives Nicolet National Bank a Texas Ratio of 8.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Nicolet National Bank experienced no significant changes from 5.78% as of March 31, 2013 to 8.58% as of March 31, 2014, resulting in a negative change of 48.42%. This indicates that the balance sheet and financial strength for Nicolet National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Nicolet National Bank has increased its total deposits by $479.76 million, resulting in 84.51% 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.



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 $1.2 billion in assets with $120.25 million in equity, resulting in a capitalization level of 9.99%, which is above average.

Institution Statistics

FDIC Certificate #57038
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$1.20 billion
Loans$844.75 million
Deposits$1.05 billion
Equity Capital$110.91 million
Loan Loss Allowance$9.34 million
Unbacked Noncurrent Loans$9.08 million
Real Estate Owned$1.24 million
Historic Data - March 2013
Assets$664.61 million
Equity Capital$74.95 million
Loan Loss Allowance$7.54 million
Unbacked Noncurrent Loans$9.08 million
Real Estate Owned$2.04 million
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets0.7%
Return on Equity7.67%
Interest Income$11.72 million

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Nicolet National Bank Savings Account Rates

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

0.40%$250k-Relationship IRA Money Market Account:
0.30%$500k-Nicolet MVP Money Market Account
0.15%$5k-Nicolet Money Market Account

Nicolet National Bank Checking Account Rates

3.00%-$15kReal Rewards Checking - Qualifying
0.05%--Real Rewards Checking - Non Qualifying

Nicolet National Bank CD Rates

2.00%$1k-60 Month Relationship CD
1.75%$1k-60 Month CD
1.65%$1k-48 Month Relationship CD
1.40%$1k-48 Month CD
1.20%$1k-36 Month Relationship CD
1.15%$10k-42 Month Investor Choice Relationship CD
0.95%$1k-36 Month CD
0.90%$10k-42 Month Investor Choice CD
0.80%$1k-24 Month Relationship CD
0.75%$10k-30 Month Investor Choice Relationship CD
0.70%$1k-18 Month Relationship CD
0.55%$1k-24 Month CD
0.55%$1k-12 Month Relationship CD
0.50%$10k-30 Month Investor Choice CD
0.45%$1k-18 Month CD
0.40%$1k-9 Month Relationship CD
0.35%$1k-6 Month Relationship CD
0.30%$1k-12 Month CD
0.25%$1k-Relationship 3 Month CD
0.20%$1k-9 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Nicolet National Bank IRA Rates

2.00%$1k-60 Month Relationship IRA
1.75%$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
0.70%$1k-18 Month Relationship IRA
0.55%$1k-12 Month Relationship IRA
0.55%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.40%$1k-9 Month Relationship IRA
0.35%$1k-6 Month Relationship IRA
0.30%$1k-12 Month IRA
0.25%$1k-Relationship 3 Month IRA
0.20%$1k-9 Month IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA

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