<span item_type="fundamental" item_id="3327fd29617268e5af11d40cef911f64" counter_id="ST/US/NIC" env="prod"></span><span item_type="announcement" item_id="544733862721292161" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 2.34, beating the estimate of USD 2.18.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 44.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: $230.4 million for the six months ended June 30, 2025, compared to $212.9 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Noninterest Income</strong>: $38.9 million for the six months ended June 30, 2025, compared to $39.0 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: $146.3 million for the six months ended June 30, 2025, compared to $128.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Provision for Credit Losses</strong>: $2.6 million for the six months ended June 30, 2025, compared to $2.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Net Income</strong>: $68.6 million for the six months ended June 30, 2025, compared to $57.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: $80.7 million for the six months ended June 30, 2025, compared to $60.7 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Free Cash Flow</strong>: Operating cash flow and investing activities indicate a net cash used in investing activities of -$238.0 million for the six months ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Nonperforming Assets</strong>: $29 million, representing 0.32% of total assets at June 30, 2025, compared to $29 million or 0.33% of total assets at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li><strong>Loan Growth</strong>: Focus on commercial and industrial loans, with loans increasing by $213 million from December 31, 2024 to June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Deposit Growth</strong>: Total deposits increased by $138 million from December 31, 2024 to June 30, 2025, with growth in interest-bearing demand and time deposits.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul><h4>Priority</h4><ul><li><strong>Net Interest Margin Improvement</strong>: Net interest margin was 3.65% for the six months ended June 30, 2025, compared to 3.37% for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li><li><strong>Operational Efficiency</strong>: Noninterest expense increased by $4 million (4%) from the first six months of 2024, indicating a focus on managing operational costs.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1174850/000117485025000036/nic-20250630.htm"></span></li></ul>

Nicolet Bankshares | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 2.34