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  <xs:element id="nic_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_StockIncentivePlanMember" abstract="true" name="StockIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_TimeBasedRestrictedStockAwardsMember" abstract="true" name="TimeBasedRestrictedStockAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterest" abstract="false" name="DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_CommercialAndIndustrialFinancingReceivablesMember" abstract="true" name="CommercialAndIndustrialFinancingReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CommercialRealEstateOwnerOccupiedMember" abstract="true" name="CommercialRealEstateOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_AgriculturalMember" abstract="true" name="AgriculturalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_ConstructionAndLandDevelopmentMember" abstract="true" name="ConstructionAndLandDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_RetailAndOtherFinancingReceivablesMember" abstract="true" name="RetailAndOtherFinancingReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_FirstLienMember" abstract="true" name="FirstLienMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_PercentageOfAllowanceForCreditLossesToLoans" abstract="false" name="PercentageOfAllowanceForCreditLossesToLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_PercentageOfTotalNotesReceivableGross" abstract="false" name="PercentageOfTotalNotesReceivableGross" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_MaterialLoansCriteriaForACLLoansAdequacyCalculation" abstract="false" name="MaterialLoansCriteriaForACLLoansAdequacyCalculation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossToTotalPercent" abstract="false" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossToTotalPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_OtherBusinessAssetsMember" abstract="true" name="OtherBusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CollateralDependentFinancingReceivableUnpaidPrincipalBalance" abstract="false" name="CollateralDependentFinancingReceivableUnpaidPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_CollateralDependentFinancingReceivableWithNoRelatedAllowance" abstract="false" name="CollateralDependentFinancingReceivableWithNoRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_CollateralDependentFinancingReceivableWithRelatedAllowance" abstract="false" name="CollateralDependentFinancingReceivableWithRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_CollateralDependentFinancingReceivableRelatedAllowance" abstract="false" name="CollateralDependentFinancingReceivableRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_FinancingReceivableRecordedInvestmentCurrentPercentageOfLoan" abstract="false" name="FinancingReceivableRecordedInvestmentCurrentPercentageOfLoan" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_PercentageOfLoansByPastDueStatus" abstract="false" name="PercentageOfLoansByPastDueStatus" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_PercentageOfNonAccrualLoan" abstract="false" name="PercentageOfNonAccrualLoan" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="nic_WatchMember" abstract="true" name="WatchMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_LoanServicingRightsMember" abstract="true" name="LoanServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_ServicingAssetAtAmortizedCostBeforeValuationAllowance" abstract="false" name="ServicingAssetAtAmortizedCostBeforeValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_ServicingAssetAtAmortizedValueCapitalization" abstract="false" name="ServicingAssetAtAmortizedValueCapitalization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_ServicingAssetAtAmortizedCostAcquiredServicingRights" abstract="false" name="ServicingAssetAtAmortizedCostAcquiredServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_ResidentialMortgageLoansServicedForOthers" abstract="false" name="ResidentialMortgageLoansServicedForOthers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_ServicingAssetOtherRemainingPrincipalBalanceAcquisition" abstract="false" name="ServicingAssetOtherRemainingPrincipalBalanceAcquisition" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_SubordinatedNotesDue2031Member" abstract="true" name="SubordinatedNotesDue2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_VariableRateComponentAxis" abstract="true" name="VariableRateComponentAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="nic_VariableRateComponentDomain" abstract="true" name="VariableRateComponentDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_InterestRateForTheYearsOneThroughFIveMember" abstract="true" name="InterestRateForTheYearsOneThroughFIveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_InterestRateAfterYearFiveMember" abstract="true" name="InterestRateAfterYearFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_TrustPreferredSecuritiesQualifyAsTier1Capital" abstract="false" name="TrustPreferredSecuritiesQualifyAsTier1Capital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_MidWisconsinFinancialServicesIncMember" abstract="true" name="MidWisconsinFinancialServicesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_BaylakeCorpMember" abstract="true" name="BaylakeCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_FirstMenashaBancsharesIncMember" abstract="true" name="FirstMenashaBancsharesIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CountyBancorpStatutoryTrustIIMember" abstract="true" name="CountyBancorpStatutoryTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CountyBancorpStatutoryTrustIIIMember" abstract="true" name="CountyBancorpStatutoryTrustIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_FoxRiverValleyCapitalTrustMember" abstract="true" name="FoxRiverValleyCapitalTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_ATBancorpStatutoryTrustIMember" abstract="true" name="ATBancorpStatutoryTrustIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_ATBancorpStatutoryTrustIIMember" abstract="true" name="ATBancorpStatutoryTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_BarronIvestmentCapitalTrustIMember" abstract="true" name="BarronIvestmentCapitalTrustIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CentralBancsharesCapitalTrustIIMember" abstract="true" name="CentralBancsharesCapitalTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_MidWestOneStatutoryTrustIIMember" abstract="true" name="MidWestOneStatutoryTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_CollateralDependentLoansMember" abstract="true" name="CollateralDependentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_OtherInvestmentFairValueDisclosure" abstract="false" name="OtherInvestmentFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_OtherAssetsLoansHeldForSaleFairValueDisclosure" abstract="false" name="OtherAssetsLoansHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_OtherLiabilitiesHeldForSaleDepositsFairValueDisclosure" abstract="false" name="OtherLiabilitiesHeldForSaleDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="nic_RPAsParticipatedOutContractsMember" abstract="true" name="RPAsParticipatedOutContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_RPAsParticipatedInContractsMember" abstract="true" name="RPAsParticipatedInContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="nic_ForwardCommitmentsMember" abstract="true" name="ForwardCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
