10-Q quarterly report · filed Oct 31, 2025

NICOLET BANKSHARES INC (NIC) Q3 2025 10-Q Quarterly Report

Short answer

NICOLET BANKSHARES INC (NIC) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $120M (up 6.8% year over year) with net income of $42M.

Q3 2025 key financials · XBRL

Revenue
$120M
+6.8% YoY · +2.3% QoQ
Net income
$42M
+28.4% YoY · +15.8% QoQ
EPS (diluted)
$2.72
+29.5% YoY · +16.2% QoQ

Source: XBRL data from the NICOLET BANKSHARES INC (NIC) Q3 2025 10-Q on SEC EDGAR. USD.

NICOLET BANKSHARES INC Q3 2025 10-Q analysis

AI summary of MD&A and risk factor updates

Risk Factors

  • Newly added merger integration risk due to MidWestOne deal; potential loss of customers, key employees, or revenue disruption during integration
  • Materially updated regulatory risk with merger approvals possibly delayed, denied, or conditional, including Federal Reserve and antitrust reviews
  • Legal risk from possible stockholder litigation post-merger completion; injunctions could delay merger and impose indemnification costs
  • Operational risk from bank branch integration affecting efficiency ratio and customer retention in near term
  • Financial risk of $35 million termination fee payable by either party if merger agreement is terminated under certain conditions

Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K

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