B
National Exchange Bank and Trust
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
19.09
Return On
Assets
1.48%
Total
Assets
2.92B
Capital
554.12M
Total
Deposits
2.30B
Net
Income
43.71M
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Weiss Ratings National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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Rating B
Asset Quality Index 6.20
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 7.30
Stability Index 10.00
Company Info National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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FDIC Number 10044
Phone Number (920) 921-7700
Website www.nebat.com
Asset Quality National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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1-Year Asset Growth 2.00%
5-Year Asset Growth 3.54%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 1.15%
Non-Performing Loans to Capital 5.38%
Non-Performing Loans to Loans 1.96%
Balance Sheet National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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Total Assets 2.92B
Total Deposits 2.30B
Capital and Reserves National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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Capital 554.12M
Leverage Ratio 19.09
Loan Loss Reserves to Loans 3.00%
Risk-Based Capital Ratio --
Liquidity National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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Hot Money Ratio 7.39%
Liquidity Ratio 31.13%
Profitability National Exchange Bank and Trust
Fond du Lac, WI 		Click to
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5-Year Return on Average Assets 1.12%
Net Income 43.71M
Net Interest Spread 3.69%
Operating Profit to Average Assets 1.85%
Overhead Efficiency Ratio 46.88%
Return on Assets 1.48%
Return on Equity 8.36%