Nicolet Bankshares Inc. reported record net income of USD 151 million for the full year 2025, representing a 21.5% increase. Diluted earnings per share for the period reached USD 9.78. Return on assets stood at 1.68%, while return on tangible common equity (non-GAAP) was 18.53% and return on equity was 12.58%. The company achieved a net interest margin of 3.76% for the year, reflecting an improvement of 29 basis points. Core deposit growth was USD 497 million, up 7%, and loan growth was USD 210 million, rising 3% for the year. For the fourth quarter of 2025, Nicolet Bankshares Inc. reported net income of USD 40 million and diluted earnings per share of USD 2.65. Net interest income for the quarter was USD 81 million. The net interest margin for the quarter was 3.86%. The yield on interest-earning assets was 5.72%, and the cost of interest-bearing liabilities was 2.61%.

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