BlastPoint's Banking Scorecard

National Exchange Bank and Trust

$1B-$10B Specialty: Commercial WI FDIC cert 10044

Designations: ✓ Community bank

Fond Du Lac, WI

34 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
Deposits -2.9% year over year ($2.3B on the books).
Delinquency rate 0.38%.
Return on assets 1.69%.
Efficiency ratio 48.90% vs a 59.73% peer average.
Loan-to-deposit ratio 73.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI

View $1B-$10B leaderboard (WI) →

National Exchange Bank and Trust has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.30% above tier average
+ Net Interest Margin 0.09% above tier average
+ Efficiency Ratio 10.83% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 43.5% in tier
- Liquidity Overhang: Bottom 50.0% in tier

Get updates when National Exchange Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$2.9B +0.1% YoY -1.4% QoQ	+$97.3M	$2.8B -0.6% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$1.6B +1.0% YoY +2.4% QoQ	-$314.3M	$2.0B -0.3% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$2.3B -2.9% YoY -2.6% QoQ	-$61.7M	$2.3B -0.5% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.69% +20.2% YoY +1.0% QoQ	+0.30%	1.39% +17.0% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	3.96% +9.2% YoY +1.8% QoQ	+0.09%	3.87% +6.2% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	48.90% +1.5% YoY +0.8% QoQ	-10.83%	59.73% -12.6% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.38% -86.1% YoY -64.2% QoQ	-0.49%	0.87% +11.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	73.05% +4.0% YoY +5.1% QoQ	-11.98%	85.04% -0.1% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	25.82% +1.8% YoY +2.4% QoQ	+4.55%	21.27% -1.5% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	74%
Nonperforming Asset Ratio ?	0.22% -86.0% YoY -62.8% QoQ	-0.46%	0.67% +11.7% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	20.06% +7.7% YoY +2.7% QoQ	+5.22%	14.84% -0.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 7.2% in tier
Non-Interest Income / Assets ?	0.27% -3.1% YoY +97.4% QoQ	-0.25%	0.53% +2.5% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	25.8% +0.5pp YoY +0.6pp QoQ	+4.5pp	21.4%	18.9%	22.2%	73%
Brokered Deposits	n/a	n/a	9.5%	9.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	14.6% +1.3pp YoY +1.1pp QoQ	+0.6pp	14.0%	10.5%	12.5%	66%
CRE	56.3% -5.1pp YoY -1.2pp QoQ	+6.3pp	50.0%	46.4%	41.4%	67%
1-4 Family	23.7% +4.3pp YoY +0.2pp QoQ	-2.7pp	26.4%	32.3%	31.3%	51%
Consumer	1.5% -0.1pp YoY 0.0pp QoQ	-3.3pp	4.7%	2.6%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	15.5%	19.7%	n/a
Leverage Ratio	20.1% +1.4pp YoY +0.5pp QoQ	+8.7pp	11.3%	12.6%	12.6%	98%
Total Capital Ratio	n/a	n/a	16.7%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	377 -2 (-0.5%) YoY +13 (+3.6%) QoQ	+63	313	134	482	76%
Assets per Employee ($)	$7.7M +0.7% YoY -4.8% QoQ	-$2.8M	$10.5M	$8.2M	$8.8M	34%
Branch Count	34 0 YoY 0 QoQ	+14	20	9	18	85%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.4% -2.3pp YoY -0.7pp QoQ	-0.4pp	0.8%	0.9%	1.0%	38%
Allowance Coverage	8.11x +640.2% YoY +167.7% QoQ	-10.60x	18.71x	56.89x	20.23x	85%
Net Charge-off Rate (YTD)	-0.1% -0.5pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	8.8% +0.7pp YoY 0.0pp QoQ	-3.8pp	12.6%	11.8%	11.6%	24%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.5pp	1.9%	1.8%	1.7%	17%
Net Income ($, YTD)	$24.7M +20.8% YoY — QoQ	+$5.4M	$19.2M	$7.9M	$40.4M	77%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#58 of 131 • Bottom 43.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Overhang

risk

#87 of 172 • Bottom 50.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.06%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 73.05%

(Tier: 85.04%, National: 79.03%)

better than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 20.06%

Peer Median: 14.84%

#65 of 885 Top 7.2% in $1B-$10B

180

Loan-to-Deposit Ratio

liquidity

Value: 73.05%

Peer Median: 85.04%

#180 of 885 Top 20.2% in $1B-$10B

181

Efficiency Ratio

profitability

Value: 48.90%

Peer Median: 59.73%

#181 of 885 Top 20.3% in $1B-$10B

190

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.39%

#190 of 885 Top 21.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available