Nicolet National Bank Mortgage Rates, Fees & Info
Green Bay, WILEI: 38CFVD4YYFWD1FV7IM34
Tax ID: 39-1990426
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Review & Overview
Nicolet National Bank is a small bank specializing in Refi and 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 85 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.38% | 4/21/24 |
| 30 Year Conventional Purchase | 6.93% | 4/21/24 |
| 30 Year Conventional Refi | 6.71% | 4/21/24 |
| 30 Year Cash-out Refi | 6.93% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 6.61% | 4/21/24 |
| 15 Year Conventional Refi | 6.59% | 4/21/24 |
| 15 Year Cash-out Refi | 6.59% | 4/21/24 |
| 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
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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
5,334Origination Dollar Volume (All Markets)
$1,105,250,000Employee count
556Awards
Nicolet National Bank - 2020
Nicolet National Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 1,968 | $399,440,000 | $202,967 | $2,157 | 3.44% |
| Outside of Metro Areas | 1,357 | $287,245,000 | $211,676 | $2,362 | 3.51% |
| APPLETON, WI (FHA|USDA|VA) | 641 | $132,465,000 | $206,654 | $2,232 | 3.47% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 576 | $113,290,000 | $196,684 | $2,121 | 4.22% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 242 | $45,900,000 | $189,669 | $2,223 | 3.52% |
| Marinette, WI-MI (FHA|USDA|VA) | 170 | $25,410,000 | $149,471 | $2,156 | 3.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 53 | $17,325,000 | $326,887 | $2,231 | 3.28% |
| Manitowoc, WI (FHA|USDA|VA) | 42 | $7,110,000 | $169,286 | $2,388 | 3.53% |
| Shawano, WI (FHA|USDA|VA) | 34 | $6,920,000 | $203,529 | $2,290 | 3.46% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 24 | $6,780,000 | $282,500 | $2,860 | 3.32% |
| MADISON, WI (FHA|USDA|VA) | 19 | $4,925,000 | $259,211 | $2,103 | 3.34% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $4,275,000 | $475,000 | $5,176 | 3.42% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $3,765,000 | $251,000 | $2,924 | 3.22% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 15 | $3,635,000 | $242,333 | $2,267 | 3.24% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $3,520,000 | $880,000 | $3,517 | 3.75% |
| FOND DU LAC, WI (FHA|USDA|VA) | 22 | $3,050,000 | $138,636 | $2,358 | 3.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $2,180,000 | $545,000 | $5,492 | 3.22% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $5,144 | 3.31% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $6,281 | 3.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,535,000 | $1,535,000 | $5,593 | 3.75% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 8 | $1,400,000 | $175,000 | $2,396 | 3.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $1,375,000 | $196,429 | $2,633 | 3.21% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $3,874 | 2.97% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $3,529 | 3.38% |
| Whitewater, WI (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,586 | 3.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $6,157 | 3.69% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,660 | 3.38% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 8 | $1,110,000 | $138,750 | $2,108 | 3.34% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $3,090 | 3.04% |
| Stevens Point, WI (FHA|USDA|VA) | 8 | $1,060,000 | $132,500 | $1,566 | 4.21% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $5,192 | 4.00% |
| RACINE, WI (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $1,972 | 3.08% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $2,104 | 3.06% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $3,062 | 3.17% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,620 | 3.08% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,003 | 2.69% |
| Boone, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,131 | 3.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,224 | 3.13% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,604 | 3.06% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,942 | 3.19% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,610 | 3.06% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $839 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,556 | 3.38% |
| Baraboo, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,659 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,524 | 2.88% |
| Riverton, WY (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,114 | 2.88% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,120 | 3.00% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,366 | 3.38% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,592 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,431 | 3.25% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,656 | 3.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,216 | 2.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,245 | 3.00% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,340 | 3.56% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,295 | 2.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,798 | 3.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,426 | 3.13% |
| Houghton, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,420 | 3.06% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,144 | 3.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,601 | 3.81% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,202 | 3.00% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,623 | 3.56% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,520 | 3.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,589 | 2.69% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,583 | 3.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,204 | 3.63% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,399 | 3.99% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,981 | 3.13% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,148 | 2.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,300 | 3.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,360 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,964 | 2.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,307 | 3.06% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,476 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,520 | 3.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,331 | 2.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,139 | 3.38% |
| Marquette, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,907 | 2.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,456 | 3.13% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,648 | 3.13% |
| Dixon, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,639 | 2.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,724 | 2.38% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,139 | 3.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,874 | 2.63% |
| Shelby, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.75% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,428 | $1,022,500,000 | $230,917 | $2,260 | 3.36% |
| HELOC | 906 | $82,750,000 | $91,336 | n/a | 4.47% |
For 2020, Nicolet National Bank's most frequently originated type of loan was Conventional, with 4,428 originations. Their 2nd most popular type was HELOC, with 906 originations.
Loan Reason
For 2020, Nicolet National Bank's most frequently cited loan purpose was Refi, with 2,390 originations. The 2nd most popular reason was Home Purchase, with 1,490 originations.
Loan Duration/Length
For 2020, Nicolet National Bank's most frequently cited loan duration was 30 Year, with 3,434 originations. The 2nd most popular length was 15 Year, with 1,339 originations.
Origination Fees/Closing Costs
Nicolet National Bank's average total fees were $2,404, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,729 originations.
Interest Rates
During 2020, Nicolet National Bank's average interest rate for loans was 3.62%, while their most frequently originated rate bucket for loans was 3-4%, with 2,300 originations.
Loan Sizing
2020 saw Nicolet National Bank place emphasis on $100k-200k loans with 1,977 originations, totaling $290,765,000 in origination value.
Applicant Income
Nicolet National Bank lent most frequently to those with incomes in the $100k-150k range, with 1,163 originations. The second most popular income band? $50k-75k, with 947 originations.
Applicant Debt to Income Ratio
Nicolet National Bank lent most frequently to those with DTI ratios of 20-30%, with 1,549 originations. The next most common DTI ratio? 30-36%, with 954 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.04%
Nicolet National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination92.84%
Nicolet National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,334 | $1,105,250,000 | $207,208 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Nicolet National Bank | 1011 N Broadway De Pere, WI 54115 | Full Service B&M | $77,405 |
| Nicolet National Bank | 1015 Tenth Avenue Menominee, MI 49858 | Full Service B&M | $36,422 |
| Nicolet National Bank | 1041 N. Westhaven Dr Oshkosh, WI 54904 | Full Service B&M | $287,835 |
| Nicolet National Bank | 106 E State Rd 54 Seymour, WI 54165 | Full Service B&M | $55,954 |
| Nicolet National Bank | 111 N. Washington Street Green Bay, WI 54301 | Full Service B&M | $1,087,309 |
| Nicolet National Bank | 1131 Main Road Washington Island, WI 54246 | Full Service B&M | $27,114 |
| Nicolet National Bank | 12046 Highway 42 Ellison Bay, WI 54210 | Full Service B&M | $26,293 |
| Nicolet National Bank | 134 South Eighth Street Medford, WI 54451 | Full Service B&M | $126,552 |
| Nicolet National Bank | 1364 City Road Dk Brussels, WI 54204 | Full Service B&M | $31,523 |
| Nicolet National Bank | 1450 Scheuring Road De Pere, WI 54115 | Full Service B&M | $54,733 |
| Nicolet National Bank | 2009 Hall Avenue Marinette, WI 54143 | Full Service B&M | $39,879 |
| Nicolet National Bank | 205 Clark Street Algoma, WI 54201 | Full Service B&M | $38,039 |
| Nicolet National Bank | 2082 Monroe Road De Pere, WI 54115 | Full Service B&M | $72,943 |
| Nicolet National Bank | 210 Center Drive Luxemburg, WI 54217 | Full Service B&M | $35,084 |
| Nicolet National Bank | 2100 Stewart Avenue, Ste 100 Wausau, WI 54401 | Full Service B&M | $19,163 |
| Nicolet National Bank | 2170 Lincoln Street Rhinelander, WI 54501 | Full Service B&M | $54,377 |
| Nicolet National Bank | 2201 Jackson Street Oshkosh, WI 54903 | Full Service B&M | $15,828 |
| Nicolet National Bank | 226411 Rib Mountain Drive, Suite 1 Wausau, WI 54401 | Full Service B&M | $27,011 |
| Nicolet National Bank | 236 North 4th Avenue Sturgeon Bay, WI 54235 | Full Service B&M | $220,543 |
| Nicolet National Bank | 2363 Holmgren Way Green Bay, WI 54304 | Full Service B&M | $74,092 |
| Nicolet National Bank | 2380 Duck Creek Parkway Suite 100 Green Bay, WI 54303 | Full Service B&M | $64,359 |
| Nicolet National Bank | 2477 South Bay Shore Drive Sister Bay, WI 54234 | Full Service B&M | $119,031 |
| Nicolet National Bank | 2502 Lineville Rd Green Bay, WI 54313 | Full Service B&M | $52,400 |
| Nicolet National Bank | 3111 East Calumet Street Appleton, WI 54915 | Full Service B&M | $78,587 |
| Nicolet National Bank | 315 N Us Hwy 141 Crivitz, WI 54114 | Full Service B&M | $40,237 |
| Nicolet National Bank | 320 Racine Street Menasha, WI 54952 | Full Service B&M | $58,414 |
| Nicolet National Bank | 325 West Pine Street, Suite 1 Eagle River, WI 54521 | Full Service B&M | $28,341 |
| Nicolet National Bank | 333 South Nicolet Road Appleton, WI 54914 | Full Service B&M | $96,741 |
| Nicolet National Bank | 34 West Maple Street Sturgeon Bay, WI 54235 | Full Service B&M | $54,133 |
| Nicolet National Bank | 519 Main Street Kewaunee, WI 54216 | Full Service B&M | $76,589 |
| Nicolet National Bank | 550 South Green Bay Road Neenah, WI 54956 | Full Service B&M | $145,640 |
| Nicolet National Bank | 717 Mccomb Avenue Rib Lake, WI 54470 | Full Service B&M | $27,075 |
| Nicolet National Bank | 7842 Hwy 42 Egg Harbor, WI 54209 | Full Service B&M | $51,868 |
| Nicolet National Bank | 810 N. Division Street Colby, WI 54421 | Full Service B&M | $64,540 |
| Nicolet National Bank | 835 West Northland Avenue Appleton, WI 54914 | Full Service B&M | $31,836 |
| Nicolet National Bank | 8744 Us Highway 51 N, Suite 4 Minocqua, WI 54548 | Full Service B&M | $30,364 |
| Nicolet National Bank | 920 S Huron Road Green Bay, WI 54311 | Full Service B&M | $92,851 |
| Nicolet National Bank | 931 Marquette Drive Kewaunee, WI 54216 | Full Service B&M | $36,857 |
| Nicolet National Bank | 9405 State Highway 42 Fish Creek, WI 54212 | Full Service B&M | $48,493 |
For 2020, Nicolet National Bank had 39 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $149,354 |
| Net interest income | $131,803 |
| Total noninterest income | $55,293 |
| Gross Fiduciary activities income | $6,463 |
| Service charges on deposit accounts | $4,208 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $44,622 |
| Pre-tax net operating income | $80,202 |
| Securities gains (or losses, -) | $395 |
| Income before extraordinary items | $60,114 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $60,114 |
| Minority interest net income | $0 |
| Net income | $60,114 |
| Sale, conversion, retirement of capital stock, net | $5,743 |
| Net operating income | $59,801 |
Nicolet National Bank's gross interest income from loans was $149,354,000.
Nicolet National Bank's net interest income from loans was $131,803,000.
Nicolet National Bank's fee based income from loans was $4,208,000.
Nicolet National Bank's net income from loans was $60,114,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $17,551 |
| Provision for credit losses | $10,300 |
| Total noninterest expense | $96,594 |
| Salaries and employee benefits | $53,918 |
| Premises and equipment expense | $9,899 |
| Additional noninterest expense | $32,777 |
| Applicable income taxes | $20,483 |
| Net charge-offs | $1,384 |
| Cash dividends | $55,000 |
Nicolet National Bank's interest expense for loans was $17,551,000.
Nicolet National Bank's payroll and benefits expense were $53,918,000.
Nicolet National Bank's property, plant and equipment expenses $9,899,000.
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 | $3,960,427 |
| Deposits held in domestic offices | $3,960,427 |
| Deposits by Individuals, partnerships, and corporations | $3,595,366 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $200,993 |
| Deposits by Commercial banks and other depository institutions in U.S. | $164,068 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $447,639 |
| Demand deposits | $285,668 |
| Nontransaction accounts | $3,512,788 |
| Money market deposit accounts (MMDAs) | $856,240 |
| Other savings deposits (excluding MMDAs) | $2,032,074 |
| Total time deposits | $624,475 |
| Total time and savings deposits | $3,674,759 |
| Noninterest-bearing deposits | $284,650 |
| Interest-bearing deposits | $3,675,777 |
| Retail deposits | $3,688,815 |
| IRAs and Keogh plan accounts | $76,552 |
| Brokered deposits | $223,634 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,542,731 |
| Cash & Balances due from depository institutions | $831,258 |
| Interest-bearing balances | $743,892 |
| Total securities | $539,337 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,778,378 |
| Loan and leases loss allowance | $32,173 |
| Trading account assets | $1,801 |
| Bank premises and fixed assets | $62,977 |
| Other real estate owned | $3,608 |
| Goodwill and other intangibles | $187,849 |
| All other assets | $137,523 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,542,731 |
| Total Liabilities | $4,031,632 |
| Total deposits | $3,960,427 |
| Interest-bearing deposits | $3,675,777 |
| Deposits held in domestic offices | $3,960,427 |
| % insured (estimated) | $70 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $1,801 |
| Other borrowed funds | $32,138 |
| Subordinated debt | $0 |
| All other liabilities | $37,266 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,778,378 |
| Loan and leases loss allowance | $32,173 |
| Total loans and leases (domestic) | $2,810,551 |
| All real estate loans | $1,806,486 |
| Real estate loans in domestic offices | $1,806,486 |
| Construction and development loans | $172,990 |
| Residential 1-4 family construction | $41,707 |
| Other construction, all land development and other land | $131,283 |
| Loans secured by nonfarm nonresidential properties | $910,624 |
| Nonfarm nonresidential secured by owner-occupied properties | $521,300 |
| Commercial real estate & other non-farm, non-residential | $389,324 |
| Multifamily residential real estate | $71,397 |
| 1-4 family residential loans | $577,482 |
| Farmland loans | $73,993 |
| Loans held in foreign offices | $0 |
| Farm loans | $35,636 |
| Commercial and industrial loans | $887,578 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $31,695 |
| Credit card loans | $12,449 |
| Related Plans | $3,901 |
| Consumer Auto Loans | $5,631 |
| Other loans to individuals | $9,714 |
| All other loans & leases | $49,156 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $41,677 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $6,184 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $2,120 |
| Non 1-4 family restructured loans & leases | $2,120 |
| Total loans and leases (foreign) | $0 |
Nicolet National Bank had $2,778,378,000 of loans outstanding in 2020. $1,806,486,000 of loans were in real estate loans. $172,990,000 of loans were in development loans. $71,397,000 of loans were in multifamily mortgage loans. $577,482,000 of loans were in 1-4 family mortgage loans. $35,636,000 of loans were in farm loans. $12,449,000 of loans were in credit card loans. $5,631,000 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 | 1,167 | $272,072 | $233,138 |
| Nonfarm, nonresidential loans - <$100k | 209 | $9,495 | $45,431 |
| Nonfarm, nonresidential loans - $100-250k | 413 | $52,313 | $126,666 |
| Nonfarm, nonresidential loans - $250k-1MM | 545 | $210,264 | $385,806 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,231 | $220,437 | $98,806 |
| Commercial & Industrial, US addressed loans - <$100k | 1,322 | $35,244 | $26,660 |
| Commercial & Industrial, US addressed loans - $100-250k | 452 | $47,039 | $104,069 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 457 | $138,154 | $302,306 |
| Farmland loans - <$1MM | 253 | $29,315 | $115,870 |
| Farmland loans - <$100k | 103 | $4,335 | $42,087 |
| Farmland loans - $100-250k | 105 | $12,800 | $121,905 |
| Farmland loans - $250k-1MM | 45 | $12,180 | $270,667 |
| Agriculture operations loans - <$1MM | 129 | $8,315 | $64,457 |
| Agriculture operations loans - <$100k | 82 | $2,164 | $26,390 |
| Agriculture operations loans - $100-250k | 37 | $3,653 | $98,730 |
| Agriculture operations loans - $250k-1MM | 10 | $2,498 | $249,800 |