National Exchange Bank and Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
National Exchange Bank and Trust carries far more capital than most banks of its size. The Fond Du Lac, Wisconsin bank had $2.9 billion in assets at June 30, 2026. It funds 20.06% of its assets with Tier 1 capital, about double the median of 10.52% for the 895 banks with $1 billion to $10 billion in assets. It also lost 2.9% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.37% of loans from 2.64%. Its $546 million non-owner-occupied commercial real estate book is improving, with 0.19% past due or on nonaccrual, down from 7.40% a year earlier. Profitability lags: it returns 8.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, National Exchange Bank and Trust reported a return on assets of 1.68%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 130 S Main St, Fond du Lac, WI 54935
- County
- Fond Du Lac
- Metro Area
- Fond du Lac, WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 20, 1933
- Former names
- National Exchange Bank and Trust of Fond du Lac (1976-1994)
- Offices
- 34 domestic
- Employees (FTE)
- 377
- Domestic deposits
- $2.26B
- Allowance for credit losses
- $50.6M
- Net charge-offs (YTD)
- -$633K
- Average total assets
- $2.95B
- Average total loans
- $1.68B
- Average interest-bearing deposits
- $1.72B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10044
- Fed RSSD
- 722544
- Website
- https://www.nebat.com →
- Parent Holding Company
- NEB CORPORATION (RSSD 1202052)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full National Exchange Bank and Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock National Exchange Bank and Trust, freeNational Exchange Bank and Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.06% | 1.68% | 0.37% | 1.00% | 3.89% |
| Q1 2026 | 19.53% | 1.65% | 1.02% | 2.81% | 3.76% |
| Q4 2025 | 19.09% | 1.49% | 1.93% | 5.47% | 3.97% |
| Q3 2025 | 19.14% | 1.66% | 2.15% | 6.18% | 3.85% |
| Q2 2025 | 18.63% | 1.40% | 2.64% | 7.80% | 3.54% |
| Q1 2025 | 18.20% | 1.37% | 2.82% | 8.52% | 3.42% |
| Q4 2024 | 18.28% | 1.34% | 2.83% | 8.59% | 3.54% |
| Q3 2024 | 18.21% | 0.84% | 3.33% | 10.13% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| National Exchange Bank and Trust (main office) | Fond Du Lac , WI | 54935 | $754.6M |
| Waukesha Branch | Waukesha , WI | 53188 | $151.8M |
| Fond Du Lac Branch | Fond Du Lac , WI | 54935 | $123.4M |
| Campbellsport Branch | Campbellsport , WI | 53010 | $114.1M |
| Nbw Bank Branch | Waupun , WI | 53963 | $103.0M |
| Elkhart Lake Branch | Elkhart Lake , WI | 53020 | $77.8M |
| West Bend Branch | West Bend , WI | 53095 | $75.4M |
| Mount Calvary Branch | Mount Calvary , WI | 53057 | $63.2M |
| Montello Branch | Montello , WI | 53949 | $59.3M |
| Brownsville Branch | Brownsville , WI | 53006 | $54.6M |
| Pardeeville Branch | Pardeeville , WI | 53954 | $51.3M |
| State Bank of Howards Grove Branch | Howards Grove , WI | 53083 | $49.4M |
| Eden Branch | Eden , WI | 53019 | $47.6M |
| Westfield Branch | Westfield , WI | 53964 | $46.5M |
| Beaver Dam Regular Branch | Beaver Dam , WI | 53916 | $44.2M |
| Coloma Branch | Coloma , WI | 54930 | $41.3M |
| Randolph Branch | Randolph , WI | 53956 | $40.2M |
| Rosendale Branch | Rosendale , WI | 54974 | $34.1M |
| Adell Branch | Adell , WI | 53001 | $33.5M |
| Chilton Branch | Chilton , WI | 53014 | $31.4M |
| Brandon Branch | Brandon , WI | 53919 | $31.3M |
| Sheboygan Falls Branch | Sheboygan Falls , WI | 53085 | $30.0M |
| Kingston Branch | Kingston , WI | 53939 | $28.8M |
| Marytown Branch | New Holstein , WI | 53061 | $26.5M |
| Cedar Grove Branch | Cedar Grove , WI | 53013 | $24.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 25, 2020 | Structure Change | Acquired NBW Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 24, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 10, 2016 | Structure Change | Acquired American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2006 | Structure Change | Acquired National Exchange Investment Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1995 | Structure Change | Acquired Adell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1994 | Structure Change | Acquired State Bank of Cascade Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 24, 1989 | Structure Change | Acquired Mount Calvary State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for National Exchange Bank and Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in WI, rank 13 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,182 applications, 897 loans originated, $212.3M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.8M approved, $704K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about National Exchange Bank and Trust
What are National Exchange Bank and Trust's total assets?
As of the Q2 2026 filing, National Exchange Bank and Trust reported total assets of $2.89 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is National Exchange Bank and Trust headquartered?
National Exchange Bank and Trust is headquartered in Fond du Lac, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was National Exchange Bank and Trust founded?
National Exchange Bank and Trust was established in 1933, per the FDIC institution directory.
Is National Exchange Bank and Trust FDIC-insured?
Yes. National Exchange Bank and Trust is an FDIC-insured commercial bank (FDIC Certificate #10044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Exchange Bank and Trust?
National Exchange Bank and Trust's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does National Exchange Bank and Trust operate?
National Exchange Bank and Trust operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Exchange Bank and Trust's Texas Ratio?
National Exchange Bank and Trust's Texas Ratio is 1.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was National Exchange Bank and Trust previously called?
The charter now named National Exchange Bank and Trust has also operated as National Exchange Bank and Trust of Fond du Lac (1976-1994), per FDIC structure-change records.
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