NATIONAL EXCHANGE BANK AND TRUST

FOND DU LAC, WI | Large | Est. Dec. 20, 1933, midnight | FDIC #10044 | RSSD #722544 | OCC
Latest Report: 2025-12-31

NATIONAL EXCHANGE BANK AND TRUST is aln large FDIC-insured commercial bank headquartered in FOND DU LAC, WI, established in Dec. 20, 1933, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.3B. Profitability stands at 1.52% ROA and 8.09% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 18.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.93% and a Texas Ratio of 5.45%. FDIC Certificate #10044.

Assets

$2.9B

Deposits

$2.3B

Loans

$1.7B

Equity

$554M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 8.09%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.88%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 1.93%
Net Charge-Off Ratio 0.21%
Texas Ratio 5.45%
NPA Ratio 1.13%
ACL / Loans 3.00%

Capital & Liquidity

CET1 Ratio 18.92%
Tier 1 Capital 18.92%
Total Capital Ratio 19.86%
Leverage Ratio 19.09%
Loan-to-Deposit 74.44%

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