National Exchange Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
National Exchange Bank and Trust is an FDIC-insured commercial bank headquartered in Fond du Lac, WI, established in 1933 (FDIC certificate 10044), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.89B, up 0.1% from Q2 2025, the 9th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.06% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 10044
- Headquarters
- Fond du Lac, WI
- Established
- 1933
- Total assets, Q2 2026
- $2.89B
- Assets vs Q2 2025
- +0.1%
- Tier 1 leverage ratio, Q2 2026
- 20.06%
- Domestic offices
- 34 FDIC institution directory, current count
- Routing number
- 075900766
- Latest call report
- Q2 2026, FFIEC 051 · National Exchange Bank and Trust call report
- Holding company
- NEB CORPORATION
- Asset rank in state
- 9th of 153 in Wisconsin
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, National Exchange Bank and Trust is the 9th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $2.89B, loans rose 2.3% and deposits fell 2.6%. Non-owner-occupied commercial real estate loans made up 32.1% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.0%. Its 33 offices in the FDIC Summary of Deposits are in 29 cities in WI; its Fond Du Lac 4 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, National Exchange Bank and Trust meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 34 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, National Exchange Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
National Exchange Bank and Trust's total assets moved between a low of $2.69B (Q3 2023) and a high of $2.95B (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.89B total assets against $2.89B; $2.32B total liabilities against $2.37B.
$1.65B net loans and leases against $1.63B; $2.26B total deposits against $2.33B.
$1.06B securities against $1.05B; $58.6M cash and balances due against $90.0M.
$37.3M total interest income against $37.1M; $9.6M total interest expense against $12.0M.
$27.8M net interest income against $25.2M.
$3.9M total noninterest income against $3.9M; $15.7M total noninterest expense against $14.0M.
-$1.4M provision for credit losses against $1.8M.
$12.4M net income against $10.3M.
1.68% return on assets against 1.40%; 3.89% net interest margin against 3.54%.
20.06% tier 1 leverage ratio against 18.63%.
Inside the full National Exchange Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNational Exchange Bank and Trust rankings
Its closest position to the top of a national ranking is 433 of 4,196, for total assets; its furthest is 2,666 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.68% (Q2 2026) and its net interest margin ran from 3.40% (Q3 2024) to 3.97% (Q4 2025).
| 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
View all 33 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is National Exchange Bank and Trust headquartered?
It is headquartered in Fond du Lac, WI, United States.
When was National Exchange Bank and Trust founded?
It was established in 1933, per the FDIC institution directory.
Is National Exchange Bank and Trust FDIC-insured?
Yes. It 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.
How many branches does National Exchange Bank and Trust operate?
It 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?
Its Texas Ratio is 1.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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