Nicolet Bankshares Inc. - Asset Resilience Ratio
Nicolet Bankshares Inc. (NIC) has an Asset Resilience Ratio of 9.54% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read Nicolet Bankshares Inc. (NIC) total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2024)
This chart shows how Nicolet Bankshares Inc.'s Asset Resilience Ratio has changed over time. See NIC book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Nicolet Bankshares Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Nicolet Bankshares Inc. market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $861.53 Million | 9.54% |
| Total Liquid Assets | $861.53 Million | 9.54% |
Asset Resilience Insights
- Limited Liquidity: Nicolet Bankshares Inc. maintains only 9.54% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Nicolet Bankshares Inc. Industry Peers by Asset Resilience Ratio
Compare Nicolet Bankshares Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Nicolet Bankshares Inc. (2012–2024)
The table below shows the annual Asset Resilience Ratio data for Nicolet Bankshares Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.99% | $438.73 Million | $8.80 Billion | -4.49pp |
| 2023-12-31 | 9.48% | $802.57 Million | $8.47 Billion | -0.99pp |
| 2022-12-31 | 10.47% | $917.62 Million | $8.76 Billion | -1.51pp |
| 2021-12-31 | 11.98% | $921.66 Million | $7.70 Billion | +0.13pp |
| 2020-12-31 | 11.85% | $539.34 Million | $4.55 Billion | -0.71pp |
| 2019-12-31 | 12.56% | $449.30 Million | $3.58 Billion | -0.36pp |
| 2018-12-31 | 12.92% | $400.14 Million | $3.10 Billion | -0.89pp |
| 2017-12-31 | 13.82% | $405.15 Million | $2.93 Billion | -2.06pp |
| 2016-12-31 | 15.88% | $365.29 Million | $2.30 Billion | +1.66pp |
| 2015-12-31 | 14.21% | $172.60 Million | $1.21 Billion | +0.35pp |
| 2014-12-31 | 13.86% | $168.47 Million | $1.22 Billion | +3.23pp |
| 2013-12-31 | 10.64% | $127.52 Million | $1.20 Billion | +3.14pp |
| 2012-12-31 | 7.50% | $55.90 Million | $745.25 Million | -- |
About Nicolet Bankshares Inc.
Nicolet Bankshares, Inc. operates as the bank holding company for Nicolet National Bank that provides banking products and services for businesses and individuals in Wisconsin, Michigan, and Minnesota. The company accepts checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industr… Read more