National Exchange Bank and Trust
Fond Du Lac, WI · Cert 10044 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Neb Corp.
National charter · OCC · 33 branches
Q2 2026
$2.9BAssets
$1.7BLoans
$2.3BDeposits
$571.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 98% of banks $1B-$10B in assets operating in a single state (rank 6 of 258).
- Widest gap: return on equity trails 79% of banks $1B-$10B in assets operating in a single state (rank 204 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.71%
Rank 38 of 258
Net Interest Margin
3.71%
Rank 88 of 258
Efficiency Ratio
49.35%
Rank 47 of 257
Equity / Assets
19.77%
Rank 6 of 258
Non-interest income vs. expense
Unfavorable gap of $46.0M · efficiency ratio beats 82% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.93% | 1.23% | 1.54% | Beats 85% | 38 / 258 | | |
| Return on Equity | 8.63% | 9.26% | 11.84% | 14.74% | Beats 21% | 204 / 258 | | |
| Net Interest Margin | 3.71% | 3.16% | 3.49% | 3.88% | Beats 66% | 88 / 258 | | |
| Efficiency Ratio | 49.35% | 51.71% | 60.30% | 69.65% | Beats 82% | 47 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.19% | 0.46% | 0.90% | Beats 59% | 108 / 258 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 28% | 189 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 20.06% | 11.41% | 12.98% | 15.12% | Beats 93% | 18 / 258 | | |
| Total Risk-Based Capital Ratio | 20.06% | 12.10% | 13.91% | 16.08% | Beats 91% | 23 / 258 | | |
| Equity / Assets | 19.77% | 9.09% | 10.24% | 11.72% | Beats 98% | 6 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.29% | 73.24% | 86.34% | 95.95% | 28th pctl | 186 / 258 | | |
| Loans / Assets | 58.79% | 63.01% | 72.27% | 78.40% | 17th pctl | 213 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |