Side-by-side · Q2 2026 data
Baybank vs Nicolet National Bank
Metric by metric
| Measure | Baybank | Nicolet National Bank |
|---|---|---|
| TellerScore | 56 | 64 (stronger) |
| Capital cushion | 57 (stronger) | 46 |
| Loan quality | 33 | 79 (stronger) |
| Earnings | 69 (stronger) | 67 |
| Funding & liquidity | 63 (stronger) | 54 |
| Problem-loan coverage | 71 | 94 (stronger) |
| Peer percentile | 13th | 46th |
| Total assets | $173.4M | $15.4B |
| Deposits / shares | $145.8M | $13.0B |
| Capital ratio | 10.71% (stronger) | 9.64% |
| Problem loans | 2.02% | 0.63% (stronger) |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.23% (stronger) | 1.17% |
| Loans ÷ deposits | 92.4% | 86.0% (stronger) |
| Uninsured deposits | 19.6% (stronger) | 33.2% |
| Offices | 3 | 110 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.5% |
Nicolet National Bank has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Baybank leads on 3 and Nicolet National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.