# NICOLET BANKSHARES INC (NIC) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from NICOLET BANKSHARES INC's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/NIC/mda/fy2025/): filed 2026-02-27; accession 0001174850-26-000077 (https://www.sec.gov/Archives/edgar/data/1174850/000117485026000077/nic-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/NIC/mda/fy2024/): filed 2025-02-25; accession 0001174850-25-000008 (https://www.sec.gov/Archives/edgar/data/1174850/000117485025000008/nic-20241231.htm)
- [FY 2023 MD&A](/company/NIC/mda/fy2023/): filed 2024-02-28; accession 0001174850-24-000010 (https://www.sec.gov/Archives/edgar/data/1174850/000117485024000010/nic-20231231.htm)
- [FY 2022 MD&A](/company/NIC/mda/fy2022/): filed 2023-02-24; accession 0001174850-23-000008 (https://www.sec.gov/Archives/edgar/data/1174850/000117485023000008/nic-20221231.htm)
- [FY 2021 MD&A](/company/NIC/mda/fy2021/): filed 2022-02-25; accession 0001174850-22-000008 (https://www.sec.gov/Archives/edgar/data/1174850/000117485022000008/ncbs-20211231.htm)

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