Bank · FDIC insured
National Exchange Bank & Trust
A $2.9B bank headquartered in Fond du Lac, WI, with 33 branches in Wisconsin. Best rates: CDs 4.00% and savings 0.75% APY.
National Exchange Bank & Trust Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#6 of 18 in Fond du Lac, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About National Exchange Bank & Trust
National Exchange Bank & Trust is an independent, family-owned Wisconsin bank serving communities throughout Southeastern Wisconsin.
The bank provides business loan offerings, including Small Business Administration, agriculture, and commercial real estate lending.
- Headquarters
- 130 S Main St, Fond du Lac, WI 54935
- FDIC certificate
- 10044 ↗
Branches
33 branches in Wisconsin
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Wisconsin
33 branches
Fond du Lac area · 11
- National Exchange Bank and TrustMain office130 S Main St, Fond du Lac, WI 54935Directions
- Brandon Branch600 E Clark St, Brandon, WI 53919Directions
- Campbellsport Branch114 N Fond Du Lac Ave, Campbellsport, WI 53010Directions
- Eden Branch404 E Main St, Eden, WI 53019Directions
- E. Johnson Street Branch1125 E Johnson St, Fond du Lac, WI 54935Directions
- Fond Du Lac Branch676 W Johnson St, Fond du Lac, WI 54935Directions
- North Main Street Branch346 N Main St, Fond du Lac, WI 54935Directions
- Mount Calvary Branch516 Fond Du Lac St, Mount Calvary, WI 53057Directions
- Marytown BranchN10504 County Road G, New Holstein, WI 53061Directions
- Rosendale Branch100 Lafayette St, Rosendale, WI 54974Directions
- Nbw Bank Branch210 E Main St, Waupun, WI 53963Directions
Sheboygan area · 5
- Adell Branch901 Wisconsin St, Adell, WI 53001Directions
- Cedar Grove Branch323 S Main St, Cedar Grove, WI 53013Directions
- Elkhart Lake Branch274 Osthoff Ave, Elkhart Lake, WI 53020Directions
- State Bank Of Howards Grove Branch211 N Wisconsin Dr, Howards Grove, WI 53083Directions
- Sheboygan Falls Branch191 N Main St, Sheboygan Falls, WI 53085Directions
Beaver Dam area · 4
- Beaver Dam Regular Branch1609 N Spring St, Beaver Dam, WI 53916Directions
- Brownsville Branch505 Main St, Brownsville, WI 53006Directions
- Mayville Branch1802 Horicon St, Mayville, WI 53050Directions
- Randolph Drive-In Branch154 Stark St, Randolph, WI 53956Directions
Milwaukee area · 3
- Allenton Branch6278 Blueberry Rd, Allenton, WI 53002Directions
- Waukesha BranchW239 N1700 Busse Road, Waukesha, WI 53188Directions
- West Bend Branch1320 W Paradise Dr, West Bend, WI 53095Directions
Madison area · 2
- Pardeeville Branch113 Lake St, Pardeeville, WI 53954Directions
- Randolph Branch103 N High St, Randolph, WI 53956Directions
Appleton area · 1
- Chilton Branch1265 E Chestnut St, Chilton, WI 53014Directions
Coloma area · 1
- Coloma Branch209 N Front St, Coloma, WI 54930Directions
Dalton area · 1
- Dalton Branch509 Main Street, Dalton, WI 53926Directions
Kingston area · 1
- Kingston Branch120 North South Street, Kingston, WI 53939Directions
Montello area · 1
- Montello Branch24 West St, Montello, WI 53949Directions
Oshkosh area · 1
- Omro Branch200 W Main St, Omro, WI 54963Directions
Princeton area · 1
- Princeton Branch705 W Water St, Princeton, WI 54968Directions
Westfield area · 1
- Westfield Branch326 E 2nd St, Westfield, WI 53964Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 20.06% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.37% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.69% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $75 | $88 | — |
- CapitalLeverage ratio20.06%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.37%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.69%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$75Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of National Exchange Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.