TellerScore

National Exchange Bank and Trust is a national bank headquartered in Fond Du Lac, Wisconsin, in business for about 93 years. At the end of Q2 2026 it reported $2.9B in total assets and $2.3B in deposits, with 34 offices.

National Exchange Bank and Trust has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 12th. Capital cushion contributes the most (100/100, 20.06%); funding & liquidity contributes the least (59/100, 73% loans-to-deposits, 40% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 20.06%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 73.1% · 40.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 23 points (65 → 88), mostly because the loan quality component improved by 76 points.

TellerScore
607488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202460
Q4 202463
Q1 202564
Q2 202565
Q3 202571
Q4 202573
Q1 202682
Q2 202688
Tier 1 leverage ratio
5.00%12.53%20.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202418.40%
Q3 202418.21%
Q4 202418.28%
Q1 202518.20%
Q2 202518.63%
Q3 202519.14%
Q4 202519.09%
Q1 202619.53%
Q2 202620.06%
Noncurrent loans
0.37%1.85%3.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20242.03%
Q3 20243.33%
Q4 20242.83%
Q1 20252.82%
Q2 20252.64%
Q3 20252.15%
Q4 20251.93%
Q1 20261.02%
Q2 20260.37%
Return on assets
1.16%1.43%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.32%
Q3 20241.16%
Q4 20241.21%
Q1 20251.39%
Q2 20251.41%
Q3 20251.50%
Q4 20251.50%
Q1 20261.68%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$2.9B20.06%0.37%1.69%73.1%
Q1 202682$2.9B19.53%1.02%1.68%69.5%
Q4 202573$2.9B19.09%1.93%1.50%72.2%
Q3 202571$2.9B19.14%2.15%1.50%70.6%
Q2 202565$2.9B18.63%2.64%1.41%70.2%
Q1 202564$3.0B18.20%2.82%1.39%67.8%
Q4 202463$2.9B18.28%2.83%1.21%67.6%
Q3 202460$2.9B18.21%3.33%1.16%68.7%
Q2 202470$2.8B18.40%2.03%1.32%71.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.06%
98th
Total risk-based capital0.00%
13th
Problem loans0.37%
63rd
Net charge-offs-0.07%
99th
Return on assets1.69%
79th
Net interest margin3.96%
66th
Efficiency ratio48.9%
79th
Loans to deposits73.1%
79th
Uninsured deposits40.1%
26th
Loan-loss reserves2.98%
98th
Texas ratio1.0%
83rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
One Community BankBank Oregon, WI74 out of 100, Strong$2.6B12.8%0.58%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Bank Five NineBank Oconomowoc, WI54 out of 100, Below average$2.5B9.8%1.91%vs
Lake Ridge BankBank Middleton, WI68 out of 100, Moderate$3.4B10.0%0.34%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs

Deposit insurance

Is my money safe at National Exchange Bank and Trust?

Yes. National Exchange Bank and Trust is an FDIC-insured institution (FDIC certificate #10044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.1% of deposits ($905.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 20.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

34 locations

Branches

National Exchange Bank and Trust lists 32 offices in 29 cities. Most locations:

  • Fond Du Lac, WI (4)
  • Adell, WI (1)
  • Allenton, WI (1)
  • Beaver Dam, WI (1)
  • Brandon, WI (1)
  • Brownsville, WI (1)
  • Campbellsport, WI (1)
  • Cedar Grove, WI (1)
  • Chilton, WI (1)
  • Coloma, WI (1)
  • Dalton, WI (1)
  • Eden, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, National Exchange Bank and Trust reported 1,175 home-loan applications under HMDA (LEI 5493006P0JVBBAHVXV08): 897 originated ($212,345,000 total), 128 denied, and 77 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
National Exchange Bank and Trust
Former names
National Exchange Bank and Trust of Fond du Lac; National Exchange Bank of Fond du Lac
Type
National bank
FDIC certificate #
10044
RSSD ID
722544
Primary regulator
OCC
Holding company
Neb Corp
Established
December 20, 1933
Headquarters
130 S Main St, Fond Du Lac, WI 54935
Employees
377

Quick answers

National Exchange Bank and Trust: common questions

Is National Exchange Bank and Trust FDIC insured?

Yes. National Exchange Bank and Trust is an FDIC-insured institution (FDIC certificate #10044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is National Exchange Bank and Trust's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has National Exchange Bank and Trust ever failed?

There is no failure record for FDIC certificate #10044 in the FDIC failed bank list.

How many branches does National Exchange Bank and Trust have?

34 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fond Du Lac

InstitutionScoreAssetsCapitalProblem loansCompare
Fond Du Lac Credit UnionCredit union Fond du Lac, WI87 out of 100, Very strong$84.9M13.6%0.35%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
West Pointe BankBank Oshkosh, WI84 out of 100, Strong$368.8M19.4%0.91%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs