National Exchange Bank & Trust

Overview / Commentary
130 South Main Street
Fond Du Lac, WI 54936

National Exchange Bank & Trust is headquartered in Fond Du Lac and is the 10th largest bank in the state of Wisconsin. It is also the 444th largest bank in the nation. It was established in 1933 and as of September of 2019, it had grown to 335 employees at 33 locations. National Exchange Bank & Trust's money market rates are 36% higher than the national average, and it boasts an A+ health rating.


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Health Grade Components

FDIC Certificate #10044
Year Established1933
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.67%
Return on Equity - YTD8.29%
Annual Interest Income$60.3MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$1.94B$1.86B
LoansQ3 2019vs Q3 2018$1.14B$1.08B
DepositsQ3 2019vs Q3 2018$1.48B$1.43B
Equity CapitalQ3 2019vs Q3 2018$406.1MM$371.2MM
Loan Loss AllowanceQ3 2019vs Q3 2018$31.1MM$31.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$8.6MM$8.1MM
Real Estate OwnedQ3 2019vs Q3 2018$66.00K$36.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

National Exchange Bank & Trust Savings Account Rates

0.50%*$250k*-Health Savings Accounts
OTHER TIERS: 0.20% Up to $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.45% $100k - $250k
0.20%$100-First-Step Savings
0.20%$100-Step-Up Savings
0.10%$100-Statement Savings
0.10%$15-Holiday Savings

National Exchange Bank & Trust Money Market Rates

0.60%*$250k*-Money Market
OTHER TIERS: 0.30% Up to $25k | 0.40% $25k - $50k | 0.50% $50k - $100k | 0.55% $100k - $250k
0.50%*$250k*-Money Market IRA
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $50k | 0.40% $50k - $100k | 0.45% $100k - $250k

National Exchange Bank & Trust Checking Account Rates

0.20%*$250k*-Private Checking
OTHER TIERS: 0.10% Up to $25k | 0.12% $25k - $50k | 0.15% $50k - $100k | 0.17% $100k - $250k
0.12%*$100k*-Public Funds Checking With Interest
OTHER TIERS: 0.08% Up to $25k | 0.10% $25k - $100k
0.12%*$100k*-Premier Business Checking with Interest
OTHER TIERS: 0.08% Up to $25k | 0.10% $25k - $100k
0.12%*$100k*-Small Business Checking with Interest
OTHER TIERS: 0.08% Up to $25k | 0.10% $25k - $100k
0.12%*$100k*-Standard Business Checking with Interest
OTHER TIERS: 0.08% Up to $25k | 0.10% $25k - $100k
0.10%*$250k*-Non-Profit Checking
OTHER TIERS: 0.07% Up to $25k | 0.08% $25k - $100k | 0.09% $100k - $250k
0.10%*$250k*-Personal Interest Bearing Checking
OTHER TIERS: 0.07% Up to $25k | 0.08% $25k - $100k | 0.09% $100k - $250k

National Exchange Bank & Trust CD Rates

1.50%$1k-60 Month CD
1.40%$1k-48 Month CD
1.35%$300-36 Month Dollars for Scholars CD
1.30%$1k-36 Month CD
1.25%$1k-21 Month Add On Variable CD
1.20%$1k-24 Month CD
1.10%$500-18 Month CD
1.05%$1k-15 Month One Up CD
1.05%$1k-15 Month Add On CD
1.00%$1k-12 Month CD
0.95%$1k-6 Month CD
0.50%$1k-3 Month CD

National Exchange Bank & Trust IRA Rates

1.60%$500-60 Month IRA
1.35%$500-36 Month IRA
1.25%$500-24 Month IRA
1.25%$1k-21 Month Add On Variable IRA
1.20%$1k-18 Month IRA
1.10%$1k-12 Month IRA
1.05%$1k-6 Month IRA


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