National Exchange Bank and Trust
Total assets
$2.89B
▲ +0.1% YoY
Deposits
$2.26B
▼ -2.9% YoY
Loans
$1.65B
▲ +1.0% YoY
Offices
34
NEB CORP
ROA (annualized)
1.69%
peers 1.26%
ROE (annualized)
8.80%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.3 pts |
| Deposit growth (YoY) | -2.9% | +5.1% | -8.0 pts |
| Loan growth (YoY) | +1.0% | +5.9% | -5.0 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
Profile
- Established
- 1933
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- NEB CORP
- Specialization
- Commercial Lending Specialization
- Address
- 130 S Main St, Fond Du Lac, WI, 54935
- County
- Fond Du Lac
- Metro area
- Fond du Lac, WI
- Offices
- 34
- FDIC cert #
- 10044
- RSSD ID
- 722544
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.89B | $2.26B | $1.65B | $571.5M | $24.7M | 1.69% | 3.96% | 0.22% |
| Q1 2026 | $2.93B | $2.32B | $1.61B | $555.4M | $12.3M | 1.68% | 3.89% | 0.58% |
| Q4 2025 | $2.92B | $2.30B | $1.66B | $554.1M | $43.7M | 1.50% | 3.83% | 1.13% |
| Q3 2025 | $2.92B | $2.32B | $1.64B | $541.8M | $32.6M | 1.50% | 3.73% | 1.25% |
| Q2 2025 | $2.89B | $2.33B | $1.63B | $521.8M | $20.4M | 1.41% | 3.63% | 1.53% |
| Q1 2025 | $2.95B | $2.39B | $1.62B | $506.0M | $10.1M | 1.39% | 3.56% | 1.59% |
| Q4 2024 | $2.86B | $2.33B | $1.57B | $488.2M | $34.1M | 1.21% | 3.63% | 1.60% |
| Q3 2024 | $2.87B | $2.32B | $1.60B | $494.3M | $24.5M | 1.16% | 3.62% | 1.91% |
Loan mix (Q2 2026): real estate $1.35B · commercial $241.5M · consumer $24.0M · securities $1.06B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 59.0% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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