GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

NIC · Jun 30, 2026

NICOLET BANKSHARES INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001174850-26-000164Bank
Sequential deposit growth10thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.80% · CORE · VALID

Net-income growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

57.90% · CORE · VALID

Interest-income growth95thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

70.78% · CORE · VALID

Cash and equivalents45thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$465.2M · CORE · VALID

Sequential loan growth5thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-0.29% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History30 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
63.30%
Current
-0.80%
Delta
-64.10%
Earnings Growth Increased
Previous
-53.38%
Current
57.90%
Delta
111.28%
Interest Income Growth Increased
Previous
40.33%
Current
70.78%
Delta
30.45%
Liquidity Decreased
Previous
$615.5M
Current
$465.2M
Delta
-$150.2M
Loan Growth Decreased
Previous
58.79%
Current
-0.29%
Delta
-59.09%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Mar 31, 2022
Similarity
87%
Compared
4 dimensions
Coverage
80%
Liquidity 1.2 · Deposit Growth 10.0 · Earnings Growth 24.4 · Interest Income Growth 5.0
Mar 31, 2024
Similarity
77%
Compared
4 dimensions
Coverage
80%
Liquidity 0.0 · Loan Growth 15.0 · Deposit Growth 5.8 · Interest Income Growth 42.1
Dec 31, 2022
Similarity
74%
Compared
4 dimensions
Coverage
80%
Liquidity 38.8 · Loan Growth 35.0 · Earnings Growth 3.3 · Interest Income Growth 3.3
Sep 30, 2024
Similarity
73%
Compared
5 dimensions
Coverage
100%
Liquidity 0.0 · Loan Growth 6.8 · Deposit Growth 25.0 · Earnings Growth 14.4 · Interest Income Growth 52.9
Sep 30, 2023
Similarity
67%
Compared
5 dimensions
Coverage
100%
Liquidity 18.2 · Loan Growth 2.7 · Deposit Growth 13.5 · Earnings Growth 60.0 · Interest Income Growth 35.0
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.