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National Exchange Bank and Trust
Fond Du Lac, WI·FDIC Cert #10044·Charter: OCC·Est. 19331220.0·HC: NEB CORP
Total Assets
$2.9B
Q4 2025
Return on Assets
1.50%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.41%
Peer avg: 58.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.50%+0.01
ROE
8.37%-0.09
Efficiency
46.41%-1.30
Equity/Assets
0.00%+0.00
NPL Ratio
1.99%-0.23
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.21%+1.60
Charge-offs
0.21%-0.09
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.3 | 1.2 | 1.2 | 1.4 | 1.4 | 1.5 | 1.5 |
| ROE | 8.4 | 8.0 | 7.0 | 7.2 | 8.1 | 8.1 | 8.5 | 8.4 |
| Efficiency | 50.1 | 48.0 | 48.4 | 48.9 | 48.6 | 48.2 | 47.7 | 46.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.8 | 2.1 | 3.4 | 2.9 | 2.9 | 2.7 | 2.2 | 2.0 |
| Charge-offs | -0.0 | 0.8 | 0.7 | 0.5 | 0.5 | 0.5 | 0.3 | 0.2 |
| Loan/Deposit | 72.3 | 71.6 | 68.7 | 67.6 | 67.8 | 70.2 | 70.6 | 72.2 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.3B
Total Loans$1.7B
Total Equity$554.1M
Profitability
ROA1.50%
ROE8.37%
Efficiency Ratio46.41%
Net Income$43.7M
Risk & Asset Quality
NPL Ratio1.99%
Charge-off Rate0.21%
Loan/Deposit72.21%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans