Nicolet Bankshares Inc. - Asset Resilience Ratio
Nicolet Bankshares Inc. (NIC) has an Asset Resilience Ratio of 13.02% as of June 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. See NIC net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2025)
This chart shows how Nicolet Bankshares Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see total assets of Nicolet Bankshares Inc..
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. Explore Nicolet Bankshares Inc. (NIC) long-term investment share to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.01 Billion | 13.02% |
| Total Liquid Assets | $2.01 Billion | 13.02% |
Asset Resilience Insights
- Moderate Liquidity: Nicolet Bankshares Inc. has 13.02% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- 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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
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 | -3.46pp |
| 2024-12-31 | 9.17% | $806.41 Million | $8.80 Billion | -0.31pp |
| 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 demand deposits, checking, savings, and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including co… Read more