National Exchange Bank and Trust
Fond Du Lac, WI
IDRSSD: 722544
Total Assets
$2.92B
Latest filing
Total Deposits
$2.30B
Latest filing
Net Interest Margin
4.12%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
National Exchange Bank and Trust
130 S Main St
Fond Du Lac, WI 54935
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/20/1933FDIC Certificate 6419
Branches (33)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| National Exchange Bank and Trust (Main) | 130 S Main St | Fond Du Lac, WI |
| FOND DU LAC BRANCH | 676 W Johnson St | Fond Du Lac, WI |
| COLOMA BRANCH | 209 N Front St | Coloma, WI |
| BRANDON BRANCH | 600 E Clark St | Brandon, WI |
| CEDAR GROVE BRANCH | 323 S Main St | Cedar Grove, WI |
| ALLENTON BRANCH | 6278 Blueberry Rd | Allenton, WI |
| SHEBOYGAN FALLS BRANCH | 191 N Main St | Sheboygan Falls, WI |
| WEST BEND BRANCH | 1320 W Paradise Dr | West Bend, WI |
Showing 7 of 33
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 12/20/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54935 |
| State and County Number | 55039 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Fond du Lac, WI |
Operational Info
| Number of Employees | 373 |
| Domestic Offices | 34 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.nebat.com |
| Data Updated | 01/30/2026 |
| CERT | 10044 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.92B |
| Total Deposits | $2.30B |
| Total Liabilities | $2.37B |
| Total Equity Capital | $554.12M |
| Net Income | $11.09M |
| Net Loans and Leases | $1.66B |
| Assets Per Employee ($Millions) | $8M |
| Bank Premises and Fixed Assets | $10.05M |
| Cash and Balances due from Depository Institutions | $91.84M |
| Deposits Held in Domestic Offices | $2.30B |
Key Performance Ratios
| Return on Assets (ROA) | 1.52% |
| Return on Equity (ROE) | 8.09% |
| Net Interest Margin | 4.12% |
| Efficiency Ratio | 42.83% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.976% |
| Earning Assets to total Assets | 94.99% |
Income and Expense
| Total Interest Income | $39.48M |
| Total Noninterest Income | $3.81M |
| Total Interest Expense | $10.93M |
| Total Noninterest Expense | $14.01M |
| Net Interest Income | $28.55M |
| Pre-tax Net Operating Income | $16.61M |
| Provision for Credit Losses | $1.75M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.94M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $27.33M |
| All Other Liabilities | $28.70M |
| Total Liabilities and Capital | $2.92B |
Securities
| Securities | $1.05B |
| Available-for-sale debt securities | $1.05B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of National Exchange Bank and Trust?
$2.92B as of the latest filing.
How much are National Exchange Bank and Trust's total deposits?
$2.30B in total deposits.
Where is National Exchange Bank and Trust located?
Fond Du Lac, WI.
What is the Net Interest Margin?
4.12%.
How many domestic offices does it operate?
34.
When was it established?
12/20/1933.
What is the Return on Assets (ROA)?
1.52%.
How much are total loans and leases?
$1.66B (latest filing).
What is the total interest income (latest filing)?
$39.48M.