BlastPoint's Banking Scorecard
National Exchange Bank and Trust
Community
Specialty: Commercial
WI
FDIC cert 10044
Fond Du Lac, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
National Exchange Bank and Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.23% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+2.0% YoY
+0.0% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$1.7B
+5.7% YoY
+1.4% QoQ
|
+$686.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$2.3B
-1.0% YoY
-0.8% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.50%
+24.1% YoY
+0.4% QoQ
|
+0.34% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.83%
+5.6% YoY
+2.7% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
46.41%
-5.1% YoY
-2.7% QoQ
|
-16.23% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.99%
-31.9% YoY
-10.5% QoQ
|
+1.36% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
72.21%
+6.8% YoY
+2.3% QoQ
|
-10.85% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
26.63%
+2.3% YoY
+2.3% QoQ
|
+5.58% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.13%
-29.5% YoY
-9.3% QoQ
|
+0.63% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.54%
+1.3% YoY
+31.8% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.41%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Capital Thin
risk
#117 of 432 · Bottom 27% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
90
90th pctile
Efficiency Ratio
Current: 46.41% · Tier avg: 62.63%
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.63% · Tier avg: 21.05%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 83.06%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 1.99% · Tier avg: 0.63%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 1.99% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.13% · Tier avg: 0.50%
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.21% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 26.63% · Tier avg: 21.05%
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
90
90th pctile
Efficiency Ratio
Current: 46.41% · Tier avg: 62.63%
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B