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National Exchange Bank And Trust
Fond Du Lac, WI · FDIC Certificate #10044 · Chartered 12/2
Total assets
$2.89B
Total deposits
$2.26B
Total equity
$571.49M
Net loans
$1.65B
Branches (offices)
33
Net income (YTD)
$24.67M
Rank: #441 of 4,213 U.S. banks by assets · #9 of 153 in Wisconsin. Assets changed 0.1% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 8.80% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 19.77% |
| Tier 1 leverage ratio | 20.06% |
| Uninsured deposits (share of deposits) | 40.1% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 73.1% |
| Real estate loans (share of loans) | 81.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.35B | 81.8% | |
| Commercial & industrial | $241.49M | 14.6% | |
| Consumer / individual | $23.97M | 1.5% | |
| Construction & development | $147.75M | 9.0% | |
| Agricultural | $9.13M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.57B | $2.13B | $13.54M | $387.22M |
| Jun 2023 | $2.73B | $2.16B | $20.24M | $417.98M |
| Jun 2024 | $2.76B | $2.24B | $18.44M | $471.95M |
| Jun 2025 | $2.89B | $2.33B | $20.43M | $521.76M |
| Jun 2026 | $2.89B | $2.26B | $24.67M | $571.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $2.26B | 33 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.26B.
Similar-sized banks
Cedar Rapids Bank And Trust Company ($2.90B) · American First National Bank ($2.89B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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