Total Assets
$2.9B
Total balance-sheet footings
FDIC Cert #10044 · Fond Du Lac, Wisconsin · Est. 1933
National Exchange Bank and Trust - FDIC Bank Health Profile
A community-scale look at National Exchange Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.9B
- Total assets
- A
- Health grade · Excellent
- 1.50%
- Return on assets
- 19.1%
- Tier 1 capital
Data updated July 2026
The verdict
National Exchange Bank and Trust earns a PlainBankData health grade of A (96/100), with well-capitalized at 19.09% Tier 1, profitable at 1.50% ROA, efficient (46% cost ratio).
- #437
- largest of 4,313 FDIC banks by assets
- 90th
- percentile by asset size, nationally
- 19.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How National Exchange Bank and Trust's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
National Exchange Bank and Trust's composite health score
Tier 1 Capital Ratio (19.09%) 40/40
Return on Assets (ROA) (1.50%) 25/25
Texas Ratio (5.45%) 16/20
Efficiency Ratio (46.41%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$44M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where National Exchange Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. National Exchange Bank and Trust's score of 96/100 falls in the highlighted band.
National Exchange Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). National Exchange Bank and Trust's $2.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.09%
Texas Ratio
5.45%
Equity Capital
$554M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.50%
Return on Equity (ROE)
8.37%
Efficiency Ratio
46.41%
What the numbers say about National Exchange Bank and Trust
National Exchange Bank and Trust is an FDIC-insured institution (Certificate #10044) headquartered in Fond Du Lac, Wisconsin, established in 1933. It holds $2.9B in total assets - 437th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $1.7B in net loans. Looking at capital strength, Tier 1 stands at 19.09%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.45%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (96/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, National Exchange Bank and Trust ranks 9th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$152M
Interest Income
$16M
Non-Interest Income
$57M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. National Exchange Bank and Trust reports a Texas Ratio of 5.45% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.45% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) National Exchange Bank and Trust (FDIC Cert #10044) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is National Exchange Bank and Trust's health grade?▼
National Exchange Bank and Trust receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is National Exchange Bank and Trust?▼
National Exchange Bank and Trust holds $2.9B in total assets and $2.3B in deposits, ranking 437th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fond Du Lac, Wisconsin.
Is my money safe at National Exchange Bank and Trust?▼
Yes, deposits at National Exchange Bank and Trust (Certificate #10044) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is National Exchange Bank and Trust's Tier 1 Capital Ratio?▼
National Exchange Bank and Trust has a Tier 1 Capital Ratio of 19.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for National Exchange Bank and Trust?▼
National Exchange Bank and Trust has a Texas Ratio of 5.45%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is National Exchange Bank and Trust?▼
National Exchange Bank and Trust has an Efficiency Ratio of 46.41%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read National Exchange Bank and Trust's profile as a depositor or analyst.
- National Exchange Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare National Exchange Bank and Trust against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.