National Exchange Bank and Trust
Asset quality shifted last quarter — NPLs fell to 1.02% from 1.96% in the prior period. Headquartered in Fond Du Lac, National Exchange Bank and Trust serves the Wisconsin market as a community-focused commercial bank. National Exchange Bank and Trust's Q1 2026 balance sheet shows $2.9B in assets funded primarily by $2.3B in customer deposits. Profitability is strong — 1.65% ROA, paired with 8.84% ROE and a 3.76% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 19.53% exceeds the 9% CBLR threshold. Credit metrics are in line with industry norms — 1.02% NPL ratio. National Exchange Bank and Trust operates a 34-branch network.
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
- Fed District
- 9
- Established
- December 20, 1933
- Branches
- 34 domestic
- Employees (FTE)
- 364
- FDIC Cert
- 10044
- Fed RSSD
- 722544
- Website
- https://www.nebat.com →
- Parent Holding Company
- NEB CORPORATION (RSSD 1202052)
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National Exchange Bank and Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- FailureFailure / assisted resolutionFDIC FAILURES
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events.
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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 Q1 2026 filing, National Exchange Bank and Trust reported total assets of $2.93 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 branches, per the most recent FDIC Summary of Deposits filing.
What is National Exchange Bank and Trust's Texas Ratio?
National Exchange Bank and Trust's Texas Ratio is 2.81% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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