National Exchange Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks National Exchange Bank and Trust of Fond du Lac, WI against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.68% | 1.46% | +0.22% | 76th top |
| ROAE | 8.80% | 12.70% | -3.90% | 25th below |
| Net Interest Margin | 3.89% | 3.85% | +0.04% | 62nd above |
| Efficiency Ratio | 49.06% | 57.41% | -8.35% | 77th top |
| PPNR / Avg Assets | 2.15% | 1.88% | +0.27% | 76th top |
| Yield on Earning Assets | 5.22% | 5.72% | -0.50% | 31st below |
| Cost of Funds | 1.63% | 2.02% | -0.39% | 74th above |
| Net Interest Spread | 3.02% | 3.18% | -0.16% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 1.00% | -0.61% | 66th above |
| NPA / Total Assets | 0.23% | 0.76% | -0.53% | 73rd above |
| NCO / Avg Loans | -0.12% | 0.43% | -0.55% | 99th top |
| ACL / Total Loans | 2.98% | 1.31% | +1.67% | 98th top |
| ACL / NPLs (Coverage) | 767.62% | 564.13% | +203.49% | 87th top |
| Texas Ratio | 1.06% | 7.40% | -6.34% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.06% | 11.43% | +8.63% | 98th top |
| Equity / Assets | 19.77% | 11.33% | +8.44% | 98th top |
| TCE / Tangible Assets | 19.72% | 10.49% | +9.23% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.29% | 86.97% | -11.68% | 78th top |
| Core Deposit Ratio | 97.29% | 85.54% | +11.75% | 95th top |
| Uninsured Deposit Ratio | 40.12% | 33.12% | +7.00% | 26th below |
| Wholesale Funding Ratio | 1.37% | 5.71% | -4.34% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.12% | 9.69% | -9.57% | 17th bottom |
| Loan Growth (Y/Y) | 1.06% | 8.07% | -7.01% | 22nd bottom |
| Deposit Growth (Y/Y) | -2.94% | 7.89% | -10.83% | 8th bottom |
See National Exchange Bank and Trust's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock National Exchange Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full National Exchange Bank and Trust profile, how to read a UBPR, or how this data updates.