Risk factors

Nicolet Bankshares (NIC) risk factors

Item 1A of every Nicolet Bankshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    45 risks2 dropped9 reworded

    Nicolet updated regional exposure to include Iowa following the MidWestOne acquisition.

    Filed Feb 27, 2026
  • FY2024 10-K risk factors
    47 risks

    Nicolet Bankshares faces intensive competition across banking services, integration risks from recent acquisitions, and vulnerabilities to interest rate fluctuations and macroeconomic trends like inflation.

    Filed Feb 25, 2025