National Exchange Bank&Trust
Fond du Lac, Wisconsin · FDIC Cert #10044
National Exchange Bank&Trust is an FDIC-insured bank (Certificate #10044) with $2.8B in total assets and $2.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Fond du Lac, Wisconsin, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 2.03%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
National Exchange Bank&Trust (FDIC cert 10044) is a mid-sized bank with $2.8B in total assets and $2.2B in deposits, based in Fond du Lac, Wisconsin. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 2.03% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 37.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.70% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. National Exchange Bank&Trust carries a composite BankHealth grade of C (52/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: National Exchange Bank&Trust
- Total Assets
- $2.8B
- Total Deposits
- $2.2B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 2.03%
- Liquidity Ratio
- 37.48%
- Return on Assets
- 1.70%
- Headquarters
- Fond du Lac, Wisconsin
- FDIC Certificate
- #10044
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, National Exchange Bank&Trust holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject National Exchange Bank&Trust to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
National Exchange Bank&Trust shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How National Exchange Bank&Trust Compares
National Exchange Bank&Trust’s Health Score of 52 is 15 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 2.03% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.70% is in line with or above the national ROA benchmark of ~1.1%. Among 479 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, National Exchange Bank&Trust is 18 points below the portfolio average of 70.
Frequently Asked Questions
National Exchange Bank&Trust has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. National Exchange Bank&Trust's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 2.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at National Exchange Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10044). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
National Exchange Bank&Trust holds $2.8B in total assets and $2.2B in total deposits. It is headquartered in Fond du Lac, Wisconsin (FDIC Certificate #10044).
National Exchange Bank&Trust has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.03%, and the return on assets is 1.70%.
Yes. National Exchange Bank&Trust is FDIC-insured (Certificate #10044). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
National Exchange Bank&Trust's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.