Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs Horicon Bank
Metric by metric
| Measure | National Exchange Bank and Trust | Horicon Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 88 (stronger) | 69 |
| Earnings | 88 (stronger) | 77 |
| Funding & liquidity | 59 (stronger) | 52 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 98th | 30th |
| Total assets | $2.9B | $1.7B |
| Deposits / shares | $2.3B | $1.4B |
| Capital ratio | 20.06% (stronger) | 9.72% |
| Problem loans | 0.37% (stronger) | 0.93% |
| Net charge-offs | -0.07% (stronger) | 0.01% |
| Return on assets | 1.69% (stronger) | 1.42% |
| Loans ÷ deposits | 73.1% (stronger) | 95.5% |
| Uninsured deposits | 40.1% | 26.3% (stronger) |
| Offices | 32 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 7.2% |
National Exchange Bank and Trust has the higher TellerScore (88 vs 63). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 6 and Horicon Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fond Du Lac, WI
- Beaver Dam, WI
- Mayville, WI
- Randolph, WI
- Waupun, WI
- West Bend, WI