Investors Community Bank
Investors Community Bank, operating as Nicolet National Bank, is a Wisconsin-based community bank offering personal, business, agricultural, and wealth management banking services to consumers, small to mid-size businesses, farmers, and high-net-worth clients.
- Company typePrivate
- Founded1997
- HeadquartersManitowoc, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Investors Community Bank does
Investors Community Bank, operating as Nicolet National Bank, is a Wisconsin-headquartered community bank founded in 1997 providing a full suite of retail and commercial banking products. The firm serves individual consumers (checking, savings, mortgages, vehicle loans, credit cards, wealth management), small to mid-size businesses (business checking, commercial banking, treasury management, retirement plan services), an agricultural vertical (specialized ag loans, ag deposit accounts, ag treasury management, ag insurance), and high-net-worth clients (Select Service Team, trust and fiduciary services). The operating footprint is concentrated in Wisconsin with plans materially expanded by a June 2026 announced merger with MidWestOne Bank, which will extend geographic reach into Iowa and adjacent markets.
The underlying technology is conventional banking infrastructure augmented by digital channels: mobile and online banking platforms, mobile deposit capabilities, and an online account opening flow hosted at apply.nicoletbank.com. Distribution combines regional physical branches with digital self-serve channels and access to a 30,000+ fee-free ATM network. Products are organized across four divisions (personal, business, agricultural, wealth management) with a competitive high-yield consumer deposit offering (Real Rewards Checking at 3.00% APY up to $25,000, CDs at 4.25% APY, MVP Money Market at 2.55% APY).
Revenue is generated primarily through interest income on personal, mortgage, business, and agricultural loans; monthly service fees on deposit accounts (many waived on balance or e-statement enrollment); credit card transaction fees and interest; and wealth management advisory fees from financial planning, investment management, and trust services. Customer acquisition uses a multi-channel marketing approach spanning a financial blog, podcast, and active social media presence on LinkedIn, Facebook, X, Instagram, and YouTube. The bank is FDIC-insured and Equal Housing Lender compliant.
Investors Community Bank firmographics
Firmographics- Name
- Investors Community Bank
- Legal name
- Nicolet National Bank
- Website
- https://investorscommunitybank.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Investors Community Bank, operating as Nicolet National Bank, is a Wisconsin-based community bank offering personal, business, agricultural, and wealth management banking services to consumers, small to mid-size businesses, farmers, and high-net-worth clients.
- Ownership category
- akta.pro rank
Where Investors Community Bank is headquartered
LocationHeadquarters
- HQ city
- Manitowoc
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Investors Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income from Lending: Traditional banking revenue generated from interest on various loan products including personal loans, home mortgages, business loans, and agricultural loans.
- Deposit Account Fees: Monthly service fees on checking and savings accounts, with waivers available for meeting balance or statement preferences.
- Credit Card Revenue: Revenue from credit card products including transaction fees and interest charges.
- Wealth Management Services: Financial planning, investment management, and trust services generating advisory fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Real Rewards Checking - Earn up to 3.00% APY on balances up to $25,000 |
| Subscription | Monthly | Real Cash Back Checking - Earn up to $108 per year |
| Subscription | Monthly | Value Checking - Basic checking with $4 monthly service fee |
| Subscription | Monthly | Platinum Checking - Interest-bearing account for high net-worth customers |
| Subscription | Monthly | Student Checking - Simple checking for students ages 15-25 |
| Subscription | Monthly | Personal Savings - Standard savings account |
| Subscription | Monthly | Junior Savings - Savings for ages 0-20 |
| Subscription | Annual | Certificate of Deposit - 4.25% APY |
| Subscription | Monthly | MVP Money Market - 2.55% APY |
| Subscription | Monthly | Health Savings Account (HSA) |
Distribution channels5 records
Marketing channels5 records
Investors Community Bank product offering
Product offeringCore offering
Investors Community Bank is a community bank providing personal banking (checking, savings, CDs, money market, home lending, vehicle loans, credit cards), business banking (business checking, savings, treasury management, commercial lending), specialized agricultural banking (operating lines of credit, equipment and real estate loans, ag treasury management), and wealth management services (financial planning, investment management, trust and fiduciary services) through branch, mobile, and online channels.
Product overview
Nicolet National Bank (formerly Investors Community Bank) offers a comprehensive suite of banking products and services organized into personal banking, business banking, agricultural banking, and wealth management divisions. The personal banking segment includes multiple checking account variants (Real Rewards Checking with up to 3.00% APY, Real Cash Back, Value, Platinum, and Student Checking), savings products (Personal Savings, Junior Savings, IRAs, HSAs), certificates of deposit (4.25% APY), money market accounts (MVP Money Market at 2.55% APY), home lending (purchase mortgages, refinance, construction loans, HELOCs), vehicle loans (auto, motorhome, boats, powersport), and credit cards (Classic, Nicolet, Rewards). Business banking encompasses various checking accounts (Small Business, Business, Corporate, Professional Services, Non-Profit), business savings, CDs, money market accounts, Commercial Platinum Plus, commercial banking, treasury management, and retirement plan services. Agricultural banking provides specialized loans (operating/capital lines of credit, crop input, equipment, real estate, construction) and deposit accounts. Wealth management includes financial planning, retirement planning calculators, TIAA advisory services, investment management, trust and fiduciary services, and the Select Service Team for high-net-worth clients. The bank also offers mobile and online banking platforms with access to 30,000+ fee-free ATMs nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts A suite of checking account products (Real Rewards Checking, Real Cash Back Checking, Value Checking, Platinum Checking, Student Checking) for individual consumers, students, and high-net-worth customers with various interest, cash-back, and fee structures.
Companies that use Investors Community Bank
Customer profileSegments4 records
Ideal customer profiles3 records
Investors Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Investors Community Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MidWestOne BankmajorMidWestOne Bank has merged with Nicolet National Bank. The merger was announced with a welcome message to MidWestOne Bank customers, with FAQs available for affected customers regarding the transition and new banking experience.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Investors Community Bank competitors and assessment
Company assessmentDirect peers
- Heartland Financial USA: Multi-state community bank holding company operating banks across the Midwest and Western U.S. with personal, business, and ag banking — comparable diversification across similar segments.
- First Business Financial Services: Wisconsin-based commercial banking franchise focused on small/mid-sized business banking, treasury management, and specialized lending — directly overlapping target customer segments.
- Nicolet National Bank: Wisconsin-based community bank offering personal, business, agricultural, and wealth management services. The source data strongly indicates Investors Community Bank is now operating under or merged with Nicolet National Bank, making it the closest possible peer.
- Associated Banc-Corp: Wisconsin-headquartered regional bank offering personal, commercial, and wealth management banking across the Upper Midwest — directly comparable footprint, customer segments, and product mix.
- Bank First Corporation: Wisconsin community bank focused on personal, business, and agricultural lending with a similar community-banking model and regional concentration in the same state.
- Wintrust Financial Corporation: Chicago-area community banking franchise operating a network of community-focused banks with personal, business, and specialty lending — comparable operating model emphasizing local decision-making.
- Pinnacle Financial Partners: Community-focused regional bank serving small/mid-sized businesses and consumers with full-service banking including treasury management and wealth services — comparable customer-centric community banking model.
- Glacier Bancorp: Holding company for a network of community banks across the Western U.S., operating with similar decentralized community-banking model and comparable size in deposits and branches.
Broad incumbents
- Commerce Bancshares: Larger Midwestern regional bank offering personal, commercial, and wealth management banking across multiple states — broader scale and footprint but overlapping product set and target customer base.
- Old National Bancorp: Large community-oriented regional bank with personal, commercial, ag, and wealth management banking across the Midwest — broader geographic reach but highly comparable product mix and community-banking philosophy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Investors Community Bank social profiles
Digital presenceInvestors Community Bank compliance and trust
Trust signalCompliance3 records
Investors Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Investors Community Bank leadership team
Management profileNumber of profiles
Profiles1 record
Investors Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Investors Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Investors Community Bank
What does Investors Community Bank do?
Investors Community Bank is a community bank providing personal banking (checking, savings, CDs, money market, home lending, vehicle loans, credit cards), business banking (business checking, savings, treasury management, commercial lending), specialized agricultural banking (operating lines of credit, equipment and real estate loans, ag treasury management), and wealth management services (financial planning, investment management, trust and fiduciary services) through branch, mobile, and online channels.
When was Investors Community Bank founded?
Investors Community Bank was founded in 1997. It employs 101 to 250 people.
Where is Investors Community Bank based?
Investors Community Bank is headquartered in Manitowoc, United States, in the North America region.
How does Investors Community Bank make money?
Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees, credit Card Revenue and wealth Management Services.
Who are Investors Community Bank's main competitors?
Direct peers on record are Heartland Financial USA, First Business Financial Services, Nicolet National Bank, Associated Banc-Corp, Bank First Corporation, Wintrust Financial Corporation, Pinnacle Financial Partners and Glacier Bancorp. Broad incumbents are Commerce Bancshares and Old National Bancorp.
Does Investors Community Bank have an API?
No public API is recorded for Investors Community Bank.