Nicolet National Bank Mortgage Rates, Fees & Info

Green Bay, WI

LEI: 38CFVD4YYFWD1FV7IM34

Tax ID: 39-1990426

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Nicolet National Bank is a smaller bank specializing in Home Purchase loans. Nicolet National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Oshkosh, Wausau, and Marinette among others. We have data for 50 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Nicolet National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Nicolet National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.38% 11/21/24
    30 Year Conventional Purchase 6.93% 11/21/24
    30 Year Conventional Refi 6.71% 11/21/24
    30 Year Cash-out Refi 6.93% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.61% 11/21/24
    15 Year Conventional Refi 6.59% 11/21/24
    15 Year Cash-out Refi 6.59% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Nicolet National Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Nicolet National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,213

    Origination Dollar Volume (All Markets)

    $354,555,000

    Employee count

    546

    Awards

    Nicolet National Bank 30 Year Conventional Loans silver Nicolet National Bank 30 Year Conventional Loans gold
    Show all (2) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    GREEN BAY, WI (FHA|USDA|VA) 770 $117,930,000 $153,156 $1,707 4.96%
    Outside of Metro Areas 694 $109,250,000 $157,421 $2,079 4.99%
    APPLETON, WI (FHA|USDA|VA) 261 $43,245,000 $165,690 $1,779 5.04%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 162 $29,590,000 $182,654 $1,769 4.95%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 85 $12,085,000 $142,176 $2,072 4.99%
    Marinette, WI-MI (FHA|USDA|VA) 108 $11,760,000 $108,889 $1,627 4.96%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 17 $5,535,000 $325,588 $2,206 4.62%
    Shawano, WI (FHA|USDA|VA) 22 $3,400,000 $154,545 $2,507 4.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 5 $2,405,000 $481,000 $3,152 5.20%
    MADISON, WI (FHA|USDA|VA) 10 $1,890,000 $189,000 $2,475 5.55%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,710,000 $285,000 $1,727 4.73%
    FOND DU LAC, WI (FHA|USDA|VA) 5 $1,645,000 $329,000 $1,971 4.77%
    Manitowoc, WI (FHA|USDA|VA) 10 $1,240,000 $124,000 $1,557 5.34%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,050,000 $525,000 $1,958 5.63%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,488 4.75%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $875,000 $875,000 $7,263 4.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $770,000 $385,000 $4,403 4.75%
    Key West, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 5.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $580,000 $290,000 $3,909 4.13%
    Whitewater, WI (FHA|USDA|VA) 1 $445,000 $445,000 $0 5.25%
    Stevens Point, WI (FHA|USDA|VA) 4 $440,000 $110,000 $1,124 5.50%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $420,000 $210,000 $2,683 5.19%
    RACINE, WI (FHA|USDA|VA) 2 $390,000 $195,000 $2,397 4.31%
    Ruston, LA (FHA|USDA|VA) 1 $385,000 $385,000 $356 4.50%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $360,000 $180,000 $600 4.75%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $350,000 $175,000 $1,792 5.13%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.50%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $305,000 $305,000 $2,040 4.50%
    WILMINGTON, NC (FHA|USDA|VA) 4 $300,000 $75,000 $3,190 5.24%
    AKRON, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,865 5.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $3,429 4.88%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $3,761 4.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,033 4.13%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $265,000 $265,000 $1,642 4.50%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $0 5.80%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $225,000 $225,000 $3,039 5.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,211 4.00%
    Iron Mountain, MI-WI (FHA|USDA|VA) 3 $195,000 $65,000 $2,371 4.63%
    Escanaba, MI (FHA|USDA|VA) 2 $190,000 $95,000 $1,385 5.31%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,281 4.50%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $160,000 $80,000 $1,839 4.75%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,920 4.00%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $3,188 3.88%
    Dixon, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,997 5.25%
    MUSKEGON, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,844 4.50%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $1,606 4.75%
    Marquette, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,093 5.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,004 4.88%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
    Nicolet National Bank's top markets include Green Bay, Appleton, Oshkosh, Wausau, and Marinette among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Nicolet National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 10
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,576 $301,090,000 $191,047 $1,892 4.83%
    HELOC 637 $53,465,000 $83,932 n/a 5.35%

    For 2018, Nicolet National Bank's most frequently originated type of loan was Conventional, with 1,576 originations. Their 2nd most popular type was HELOC, with 637 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,235 $244,495,000 $197,972 $2,102 4.85%
    Refi 309 $46,855,000 $151,634 $1,358 4.96%
    Other 257 $17,015,000 $66,206 $744 5.42%
    Home Improvement 249 $16,295,000 $65,442 $515 5.35%
    Cash Out Refi 163 $29,895,000 $183,405 $1,740 4.73%

    For 2018, Nicolet National Bank's most frequently cited loan purpose was Home Purchase, with 1,235 originations. The 2nd most popular reason was Refi, with 309 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,634 $259,050,000 $158,537 $2,056 4.97%
    15 Year 261 $42,485,000 $162,778 $1,551 4.61%
    20 Year 89 $16,135,000 $181,292 $2,127 4.92%
    5 Year 83 $14,385,000 $173,313 $285 5.76%
    10 Year 72 $6,960,000 $96,667 $798 5.11%
    Other 32 $8,030,000 $250,938 $2,371 5.53%
    3 Year 28 $4,400,000 $157,143 $0 5.68%
    1 Year 14 $3,110,000 $222,143 $0 5.30%

    For 2018, Nicolet National Bank's most frequently cited loan duration was 30 Year, with 1,634 originations. The 2nd most popular length was 15 Year, with 261 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,360 $253,960,000 $186,735
    $1k-2k 78 $20,940,000 $268,462
    $2k-3k 4 $1,130,000 $282,500
    $5k+ 1 $225,000 $225,000

    Nicolet National Bank's average total fees were $2,056, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,360 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,161 $216,735,000 $186,680
    5-6% 721 $85,735,000 $118,911
    3-4% 184 $42,320,000 $230,000
    6-7% 139 $9,235,000 $66,439
    7-8% 7 $325,000 $46,429
    2.5-3% 1 $205,000 $205,000

    During 2018, Nicolet National Bank's average interest rate for loans was 4.97%, while their most frequently originated rate bucket for loans was 4-5%, with 1,161 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 854 $43,400,000 $50,820 $1,433 5.36%
    $100k-200k 755 $107,635,000 $142,563 $1,971 4.80%
    $200k-400k 481 $128,025,000 $266,164 $2,035 4.67%
    $400k-600k 87 $39,325,000 $452,011 $2,132 4.62%
    $600k-1MM 25 $18,745,000 $749,800 $2,867 4.77%
    $1MM+ 11 $17,425,000 $1,584,091 $2,790 4.66%

    2018 saw Nicolet National Bank place emphasis on $100,000 or less loans with 854 originations, totaling $43,400,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 445 $72,755,000 $163,494 $1,921 4.99%
    $50k-75k 407 $48,555,000 $119,300 $1,846 4.91%
    $50k or less 379 $34,735,000 $91,649 $1,845 4.98%
    $75k-100k 361 $49,205,000 $136,302 $1,849 4.95%
    $150k-250k 270 $53,900,000 $199,630 $1,895 4.96%
    $250k+ 213 $69,355,000 $325,610 $2,125 4.90%

    Nicolet National Bank lent most frequently to those with incomes in the $100k-150k range, with 445 originations. The second most popular income band? $50k-75k, with 407 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 551 $82,505,000 $149,737 $1,861 4.90%
    30-36% 451 $67,865,000 $150,477 $1,847 4.92%
    <20% 240 $41,530,000 $173,042 $1,825 4.84%
    36% 78 $11,600,000 $148,718 $1,762 4.96%
    40% 77 $11,425,000 $148,377 $2,060 5.07%
    42% 71 $12,095,000 $170,352 $2,085 5.15%
    39% 69 $10,315,000 $149,493 $1,886 5.14%
    41% 65 $10,525,000 $161,923 $1,974 4.91%
    37% 54 $10,300,000 $190,741 $1,746 4.89%
    38% 53 $7,915,000 $149,340 $1,709 4.90%
    50-60% 51 $8,205,000 $160,882 $1,915 5.31%
    44% 49 $8,375,000 $170,918 $2,064 5.05%
    47% 45 $7,455,000 $165,667 $2,243 5.03%
    43% 44 $6,400,000 $145,455 $1,877 4.97%
    49% 44 $6,550,000 $148,864 $1,904 4.89%
    >60% 42 $8,400,000 $200,000 $2,157 5.42%
    46% 41 $6,275,000 $153,049 $2,124 4.75%
    45% 41 $6,305,000 $153,780 $2,059 4.89%
    48% 40 $7,150,000 $178,750 $1,723 4.90%

    Nicolet National Bank lent most frequently to those with DTI ratios of 20-30%, with 551 originations. The next most common DTI ratio? 30-36%, with 451 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,089 $328,145,000 $157,082 $1,885 4.95%
    Not applicable 86 $20,060,000 $233,256 $0 5.60%
    Asian 15 $3,115,000 $207,667 $2,684 4.83%
    Not provided 15 $2,065,000 $137,667 $2,046 5.00%
    Black 5 $565,000 $113,000 $660 6.15%
    Asian Indian 1 $425,000 $425,000 $4,066 5.63%
    American Indian 2 $180,000 $90,000 $2,489 5.75%

    Approval Rates

    Total approvals of all applications
    94.25%

    Nicolet National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.55%

    Nicolet National Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,213 $354,555,000 $160,215

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $2,610,000 $1,305,000
    Multifamily:Site-Built 10 $7,490,000 $749,000
    Single Family (1-4 Units):Manufactured 43 $3,465,000 $80,581
    Single Family (1-4 Units):Site-Built 2,158 $340,990,000 $158,012

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 276 $25,690,000 $93,080 $1,313 5.18%
    40-60% 257 $45,445,000 $176,829 $1,790 4.71%
    60-80% 711 $151,575,000 $213,186 $2,056 4.74%
    80-100% 570 $114,820,000 $201,439 $2,116 4.91%
    Over 100% 4 $1,380,000 $345,000 $0 5.48%
    Under 20% 394 $15,450,000 $39,213 $315 5.53%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Nicolet National Bank 101 South First Street Colby, WI 54421 Full Service B&M $59,494
    Nicolet National Bank 1011 N Broadway De Pere, WI 54115 Full Service B&M $61,976
    Nicolet National Bank 1015 Tenth Avenue Menominee, MI 49858 Full Service B&M $31,801
    Nicolet National Bank 106 E State Rd 54 Seymour, WI 54165 Full Service B&M $42,381
    Nicolet National Bank 111 N. Washington Street Green Bay, WI 54301 Full Service B&M $661,440
    Nicolet National Bank 1131 Main Road Washington Island, WI 54246 Full Service B&M $20,168
    Nicolet National Bank 12046 Highway 42 Ellison Bay, WI 54210 Full Service B&M $24,801
    Nicolet National Bank 134 South Eighth Street Medford, WI 54451 Full Service B&M $106,028
    Nicolet National Bank 1364 City Road Dk Brussels, WI 54204 Full Service B&M $27,349
    Nicolet National Bank 1450 Scheuring Road De Pere, WI 54115 Full Service B&M $33,805
    Nicolet National Bank 2009 Hall Avenue Marinette, WI 54143 Full Service B&M $31,889
    Nicolet National Bank 205 Clark Street Algoma, WI 54201 Full Service B&M $30,194
    Nicolet National Bank 2082 Monroe Road De Pere, WI 54115 Full Service B&M $60,980
    Nicolet National Bank 210 Center Drive Luxemburg, WI 54217 Full Service B&M $27,788
    Nicolet National Bank 2100 Stewart Avenue, Ste 100 Wausau, WI 54401 Full Service B&M $12,828
    Nicolet National Bank 217 North 4th Avenue Sturgeon Bay, WI 54235 Full Service B&M $176,075
    Nicolet National Bank 2170 Lincoln Street Rhinelander, WI 54501 Full Service B&M $44,774
    Nicolet National Bank 2363 Holmgren Way Green Bay, WI 54304 Full Service B&M $58,047
    Nicolet National Bank 2380 Duck Creek Parkway Suite 100 Green Bay, WI 54303 Full Service B&M $49,778
    Nicolet National Bank 2477 South Bay Shore Drive Sister Bay, WI 54234 Full Service B&M $96,807
    Nicolet National Bank 2502 Lineville Rd Green Bay, WI 54313 Full Service B&M $30,128
    Nicolet National Bank 3111 East Calumet Street Appleton, WI 54915 Full Service B&M $81,410
    Nicolet National Bank 315 N Us Hwy 141 Crivitz, WI 54114 Full Service B&M $30,933
    Nicolet National Bank 320 Racine Street Menasha, WI 54952 Full Service B&M $35,804
    Nicolet National Bank 325 West Pine Street, Suite 1 Eagle River, WI 54521 Full Service B&M $20,751
    Nicolet National Bank 333 South Nicolet Road Appleton, WI 54914 Full Service B&M $77,379
    Nicolet National Bank 34 West Maple Street Sturgeon Bay, WI 54235 Full Service B&M $50,131
    Nicolet National Bank 3845 Rib Mountain Drive, Suite 1 Wausau, WI 54401 Full Service B&M $22,926
    Nicolet National Bank 400 North Koeller Street Oshkosh, WI 54902 Full Service B&M $56,145
    Nicolet National Bank 519 Main Street Kewaunee, WI 54216 Full Service B&M $67,202
    Nicolet National Bank 550 South Green Bay Road Neenah, WI 54956 Full Service B&M $82,198
    Nicolet National Bank 717 Mccomb Avenue Rib Lake, WI 54470 Full Service B&M $24,288
    Nicolet National Bank 7842 Hwy 42 Egg Harbor, WI 54209 Full Service B&M $43,148
    Nicolet National Bank 835 West Northland Avenue Appleton, WI 54914 Full Service B&M $24,954
    Nicolet National Bank 8744 Us Highway 51 N, Suite 4 Minocqua, WI 54548 Full Service B&M $24,530
    Nicolet National Bank 920 S Huron Road Green Bay, WI 54311 Full Service B&M $77,036
    Nicolet National Bank 931 Marquette Drive Kewaunee, WI 54216 Full Service B&M $35,807
    Nicolet National Bank 9405 State Highway 42 Fish Creek, WI 54212 Full Service B&M $39,815

    For 2018, Nicolet National Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $125,776
    Net interest income $109,731
    Total noninterest income $33,604
    Gross Fiduciary activities income $6,498
    Service charges on deposit accounts $4,845
    Trading account gains and fees $0
    Additional Noninterest Income $22,261
    Pre-tax net operating income $55,799
    Securities gains (or losses, -) $-212
    Income before extraordinary items $41,836
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $41,836
    Minority interest net income $0
    Net income $41,836
    Sale, conversion, retirement of capital stock, net $4,909
    Net operating income $42,003

    Nicolet National Bank's gross interest income from loans was $125,776,000.
    Nicolet National Bank's net interest income from loans was $109,731,000.
    Nicolet National Bank's fee based income from loans was $4,845,000.
    Nicolet National Bank's net income from loans was $41,836,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,045
    Provision for credit losses $1,600
    Total noninterest expense $85,936
    Salaries and employee benefits $46,429
    Premises and equipment expense $9,531
    Additional noninterest expense $29,976
    Applicable income taxes $13,751
    Net charge-offs $1,100
    Cash dividends $40,500

    Nicolet National Bank's interest expense for loans was $16,045,000.
    Nicolet National Bank's payroll and benefits expense were $46,429,000.
    Nicolet National Bank's property, plant and equipment expenses $9,531,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,662,067
    Deposits held in domestic offices $2,662,067
    Deposits by Individuals, partnerships, and corporations $2,405,260
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $250,640
    Deposits by Commercial banks and other depository institutions in U.S. $6,167
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $404,554
    Demand deposits $191,484
    Nontransaction accounts $2,257,513
    Money market deposit accounts (MMDAs) $590,981
    Other savings deposits (excluding MMDAs) $1,262,896
    Total time deposits $403,636
    Total time and savings deposits $2,470,583
    Noninterest-bearing deposits $191,484
    Interest-bearing deposits $2,470,583
    Retail deposits $2,583,073
    IRAs and Keogh plan accounts $71,032
    Brokered deposits $7,153
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,095,694
    Cash & Balances due from depository institutions $250,234
    Interest-bearing balances $164,357
    Total securities $400,144
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,161,924
    Loan and leases loss allowance $13,153
    Trading account assets $0
    Bank premises and fixed assets $39,126
    Other real estate owned $420
    Goodwill and other intangibles $130,560
    All other assets $113,286

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,095,694
    Total Liabilities $2,716,504
    Total deposits $2,662,067
    Interest-bearing deposits $2,470,583
    Deposits held in domestic offices $2,662,067
    % insured (estimated) $68
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $35,252
    Subordinated debt $0
    All other liabilities $19,185

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,161,924
    Loan and leases loss allowance $13,153
    Total loans and leases (domestic) $2,175,077
    All real estate loans $1,428,039
    Real estate loans in domestic offices $1,428,039
    Construction and development loans $111,525
    Residential 1-4 family construction $30,926
    Other construction, all land development and other land $80,599
    Loans secured by nonfarm nonresidential properties $747,082
    Nonfarm nonresidential secured by owner-occupied properties $448,610
    Commercial real estate & other non-farm, non-residential $298,472
    Multifamily residential real estate $45,180
    1-4 family residential loans $470,808
    Farmland loans $53,444
    Loans held in foreign offices $0
    Farm loans $35,625
    Commercial and industrial loans $626,197
    To non-U.S. addressees $0
    Loans to individuals $26,493
    Credit card loans $10,304
    Related Plans $3,993
    Consumer Auto Loans $4,149
    Other loans to individuals $8,047
    All other loans & leases $58,723
    Loans to foreign governments and official institutions $0
    Other loans $48,506
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,646
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Nicolet National Bank had $2,161,924,000 of loans outstanding in 2018. $1,428,039,000 of loans were in real estate loans. $111,525,000 of loans were in development loans. $45,180,000 of loans were in multifamily mortgage loans. $470,808,000 of loans were in 1-4 family mortgage loans. $35,625,000 of loans were in farm loans. $10,304,000 of loans were in credit card loans. $4,149,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,125 $243,660 $216,587
    Nonfarm, nonresidential loans - <$100k 253 $11,326 $44,767
    Nonfarm, nonresidential loans - $100-250k 385 $48,961 $127,171
    Nonfarm, nonresidential loans - $250k-1MM 487 $183,373 $376,536
    Commercial & Industrial, US addressed loans - <$1MM 1,224 $132,018 $107,858
    Commercial & Industrial, US addressed loans - <$100k 660 $18,515 $28,053
    Commercial & Industrial, US addressed loans - $100-250k 278 $29,033 $104,435
    Commercial & Industrial, US addressed loans - $250k-1MM 286 $84,470 $295,350
    Farmland loans - <$1MM 158 $18,703 $118,373
    Farmland loans - <$100k 60 $2,787 $46,450
    Farmland loans - $100-250k 74 $9,511 $128,527
    Farmland loans - $250k-1MM 24 $6,405 $266,875
    Agriculture operations loans - <$1MM 135 $9,354 $69,289
    Agriculture operations loans - <$100k 87 $2,177 $25,023
    Agriculture operations loans - $100-250k 34 $3,307 $97,265
    Agriculture operations loans - $250k-1MM 14 $3,870 $276,429