Nicolet Bankshares, Inc. is a bank holding company. It conducts operations through its subsidiary, Nicolet National Bank (the Bank), which is a commercial bank. Its business includes lending and deposit gathering, as well as ancillary banking-related products and services, to businesses and individuals of the communities it serves, and the operational support to deliver, fund and manage such banking products and services. Additionally, trust, brokerage, and other investment management services predominantly for individuals and retirement plan services for business customers are offered. It provides business checking and other business deposit products and cash management services, international banking services, business loans, lines of credit, commercial real estate financing, construction loans, agricultural real estate or production loans, and letters of credit, as well as retirement plan services. It also offers automated bill payment, mobile banking deposits and account access.