Nicolet Bankshares Inc. - Asset Resilience Ratio

Latest as of March 2026: 8.00%

Nicolet Bankshares Inc. (NIC) has an Asset Resilience Ratio of 8.00% as of March 2026. 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. Check asset allocation strategy of Nicolet Bankshares Inc. to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$1.25 Billion

Cash + Short-term Investments

Total Assets

$15.57 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2012–2025)

This chart shows how Nicolet Bankshares Inc.'s Asset Resilience Ratio has changed over time. See how leveraged is Nicolet Bankshares Inc.'s balance sheet to measure how much of total assets are equity-financed.

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	$1.25 Billion	8.0%
Total Liquid Assets	$1.25 Billion	8.00%

Asset Resilience Insights

Limited Liquidity: Nicolet Bankshares Inc. maintains only 8.00% 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
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for Nicolet Bankshares Inc. (2012–2025)

The table below shows the annual Asset Resilience Ratio data for Nicolet Bankshares Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	5.70%	$523.90 Million	$9.19 Billion	+0.72pp
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	--

pp = percentage points

About Nicolet Bankshares Inc.

NYSE:NIC USA Banks - Regional

Market Cap

$3.07 Billion

Market Cap Rank

#4949 Global

#1623 in USA

Share Price

$144.55

Change (1 day)

-1.69%

52-Week Range

$115.04 - $161.37

All Time High

$161.37