National Exchange Bank and Trust: how it compares with its peers
Against 17 WI banks with half to twice its assets, National Exchange Bank and Trust's strongest measure in Q2 2026 is efficiency ratio (48.90% vs. a 60.29% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $8.1M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.28% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.59% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.90% | 60.29% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.1M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.05% | 95.37% | Context |
What it means for lending operations
Its efficiency ratio of 48.90% is better than the 60.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- One Community Bank Oregon, WI · $2.63B
- North Shore Bank Brookfield, WI · $2.61B
- Bank Five Nine Oconomowoc, WI · $2.53B
- Lake Ridge Bank Middleton, WI · $3.35B
- WaterStone Bank, SSB Wauwatosa, WI · $2.25B
- National Bank of Commerce Superior, WI · $2.23B
Questions about National Exchange Bank and Trust
How big is National Exchange Bank and Trust?
National Exchange Bank and Trust, established in 1933, is headquartered in Fond Du Lac, WI. It reported $2.89B in total assets in its Q2 2026 FDIC call report and operates 34 offices.
What is National Exchange Bank and Trust's return on assets?
1.69% annualized in Q2 2026, against a 1.28% median for 17 WI banks with half to twice its assets, ahead of 82% of them.
What is National Exchange Bank and Trust's efficiency ratio?
48.90% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 60.29%, and lower is better.
Is National Exchange Bank and Trust growing its loans?
Net loans grew 1.0% over the year to Q2 2026, while deposits shrank 2.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.