BlastPoint's Banking Scorecard
National Exchange Bank and Trust
Designations: ✓ Community bank
Fond Du Lac, WI
34 branches across WI
National Exchange Bank and Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 12.55% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 44.6% in tier
- - Delinquency Rate 0.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
-0.6% YoY
+0.4% QoQ
|
+$117.4M |
$2.8B
-0.1% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$1.6B
-0.7% YoY
-3.1% QoQ
|
-$354.5M |
$2.0B
+0.6% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$2.3B
-3.2% YoY
+0.7% QoQ
|
-$26.2M |
$2.3B
-0.3% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.68%
+20.4% YoY
+11.5% QoQ
|
+0.31% |
1.37%
+19.6% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.89%
+9.2% YoY
+1.6% QoQ
|
+0.07% |
3.82%
+6.9% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
48.51%
-0.1% YoY
+4.5% QoQ
|
-12.55% |
61.06%
-4.6% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
1.05%
-63.6% YoY
-46.9% QoQ
|
+0.17% |
0.89%
+14.1% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
69.50%
+2.6% YoY
-3.8% QoQ
|
-14.71% |
84.20%
+0.3% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
25.22%
+1.0% YoY
-5.3% QoQ
|
+3.93% |
21.29%
-2.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.58%
-63.7% YoY
-48.8% QoQ
|
-0.09% |
0.67%
+15.6% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
19.53%
+7.3% YoY
+2.3% QoQ
|
+4.37% |
15.16%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Top 8.4% in tier |
| Non-Interest Income / Assets ? |
0.14%
-4.5% YoY
-74.3% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
49% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.