National Exchange Bank and Trust
National Exchange Bank and Trust reported total assets of $2.9 bn at Q2 2026, up 0.1% on a year earlier. National Exchange Bank and Trust uses the community bank leverage ratio framework, with a leverage ratio of 20.06%, and the uninsured share of National Exchange Bank and Trust was 40.12%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, National Exchange Bank and Trust climbed from 504th to 132nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- National Exchange Bank and Trust has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 20.06% at , against a median of 10.45% across 339 banks (FDIC Call Reports).
- The net charge-offs to average loans of National Exchange Bank and Trust, -0.07% at , places National Exchange Bank and Trust in the bottom tenth of banks of $1 bn to $10 bn (group median 0.06%; FDIC Call Reports).
What sets National Exchange Bank and Trust apart
- Since , National Exchange Bank and Trust has taken over 2 institutions; the latest was NBW BANK on .
How large is National Exchange Bank and Trust?
The balance sheet of National Exchange Bank and Trust at : assets $2.9 bn, deposits $2.3 bn, net loans $1.6 bn (loans equal to 73.05% of deposits). Securities make up 36.8% of total assets at National Exchange Bank and Trust. Since , when National Exchange Bank and Trust held $1.4 bn, its assets grew 109.2%. In the year to , deposits at National Exchange Bank and Trust fell 2.9% while its total assets rose 0.1%. At , National Exchange Bank and Trust employed 377 full-time equivalent staff across 34 offices, about $7.7 mn of assets per employee and $66.4 mn of deposits per office.
How much funding at National Exchange Bank and Trust is uninsured?
At National Exchange Bank and Trust, uninsured deposits (above the FDIC limit) made up 40.12% of domestic deposits at (-2.83 pp on a year earlier); National Exchange Bank and Trust ranks 184th of 500 on this measure. In dollars, National Exchange Bank and Trust estimated $905.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | -2.9% | 467th of 499 |
| Net loans and leases | $1.6 bn | +1.0% | 479th of 500 |
| Loan-to-deposit ratio | 73.05% | +2.83 pp | 401st of 500 |
| Net interest margin | 3.96% | +0.33 pp | 151st of 500 |
| Return on assets (ROA) | 1.69% | +0.28 pp | 98th of 500 |
| Efficiency ratio | 48.90% | +0.71 pp | 126th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $30.9 mn | Narrowed by $9.3 mn | |
| Noncurrent loans to total loans | 0.37% | -2.27 pp | 132nd of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.07% | -0.54 pp | 6th of 500 (1 = lowest) |
US rank of National Exchange Bank and Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
National Exchange Bank and Trust: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.3bn
- Net loans $1.6bn
Capital and securities
National Exchange Bank and Trust uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 20.06% in . Equity capital of National Exchange Bank and Trust at : $571.5 mn, or 19.8% of total assets.
The available-for-sale portfolio of National Exchange Bank and Trust showed an unrealized loss of $30.9 mn at ; the loss narrowed by $9.3 mn over the year.
National Exchange Bank and Trust: capital ratios
- Total capital 23%
- CET1 21%
- Tier 1 leverage 20%
National Exchange Bank and Trust: unrealized securities gains and losses
- Available for sale -$31mn
- Held to maturity $0
Profitability and loan quality
For the year to , National Exchange Bank and Trust earned a return on equity of 8.80%; return on assets: 1.69%. Net interest margin at National Exchange Bank and Trust: 3.96%, +0.33 pp in a year. National Exchange Bank and Trust net income: $24.7 mn, up 20.8% year on year. The efficiency ratio of National Exchange Bank and Trust was 48.90%: about 49 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at National Exchange Bank and Trust; net charge-offs: -0.07% of average loans. Gross loans and leases at National Exchange Bank and Trust: $1.7 bn, up 1.1% in a year.
National Exchange Bank and Trust: profitability
- Return on equity 8.8%
- Net interest margin 4.0%
- Return on assets 1.7%
Peer group of National Exchange Bank and Trust
The peer group of National Exchange Bank and Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of National Exchange Bank and Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Wisconsin. Against them, National Exchange Bank and Trust shows return on equity 8.80% against a peer median of 14.38% and uninsured deposit share 40.12% against a peer median of 35.50%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| NEXTIER BANK | National bank | PA | $2.9 bn | 12.11% | 13.27% | 50.92% | |
| Wayne Bank | State nonmember bank | PA | $2.9 bn | 11.09% | 10.55% | 37.03% | |
| Cedar Rapids Bank and Trust Company | State member bank | IA | $2.9 bn | 13.15% | 16.35% | 33.97% | |
| National Exchange Bank and Trust | National bank | WI | $2.9 bn | not reported | 8.80% | 40.12% | |
| American First National Bank | National bank | TX | $2.9 bn | 16.38% | 15.49% | 22.72% | |
| Merchants Bank | National bank | MN | $2.9 bn | 13.46% | 10.53% | 25.78% | |
| West Texas National Bank | National bank | TX | $2.9 bn | 16.75% | 15.54% | 64.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at National Exchange Bank and Trust, to : assets +0.9%, deposits -2.9%, equity +15.6%. Staff 371 to 377.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $3.0 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn | $2.9 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $494.3 mn | $488.2 mn | $506.0 mn | $521.8 mn | $541.8 mn | $554.1 mn | $555.4 mn | $571.5 mn |
| Return on equity (ROE) | 6.96% | 7.22% | 8.14% | 8.08% | 8.46% | 8.37% | 8.84% | 8.80% |
| Uninsured share of domestic deposits | 44.22% | 43.91% | 45.50% | 42.95% | 42.94% | 41.73% | 42.05% | 40.12% |
| Full-time equivalent employees | 371 | 362 | 363 | 379 | 373 | 365 | 364 | 377 |
| Number of offices | 34 | 34 | 34 | 34 | 34 | 34 | 34 | 34 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of National Exchange Bank and Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed American Bank (FDIC certificate 19838).
- . Absorbed NBW BANK (FDIC certificate 5331).
Large one-quarter moves at National Exchange Bank and Trust
- Total assets at National Exchange Bank and Trust changed by +50.2% in the quarter to 2016-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from American Bank.
Questions and identifiers
What were the total assets of National Exchange Bank and Trust?
National Exchange Bank and Trust reported $2.9 bn at in its Call Report. That makes National Exchange Bank and Trust the 435th largest of 497 banks in our US coverage.
Is National Exchange Bank and Trust the same as its holding company?
No. This page covers National Exchange Bank and Trust, FDIC certificate 10044; NEB CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is National Exchange Bank and Trust profitable?
National Exchange Bank and Trust reported net income of $24.7 mn for the year to ; annualized return on equity: 8.80%. So yes: National Exchange Bank and Trust made a profit over these months.
When is data for National Exchange Bank and Trust next updated?
Figures from National Exchange Bank and Trust for are due after .
Where can I check the figures for National Exchange Bank and Trust?
In the FDIC BankFind Suite record for certificate 10044, and in the Call Reports of National Exchange Bank and Trust (RSSD ID 722544) at the FFIEC Central Data Repository.