National Exchange Bank and Trust

Headquarters: Fond Du Lac, Wisconsin
Charter: Bank
Assets: $2.9B
Fed district: Chicago
Regulator: OCC
Holding company: Neb Corp.

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 12, 2026

How these figures are measured

Call-report figures are for National Exchange Bank and Trust at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	National Exchange Bank and Trust's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: National Exchange Bank and Trust (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $540K in Q2 2026, 1.6% below the same quarter a year earlier ($549K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
National Exchange Bank and Trust: $35
National Exchange Bank and Trust: $35
U.S. median: no median
NSF / Returned Item
National Exchange Bank and Trust: $15
National Exchange Bank and Trust: $15
U.S. median: no median
Wire Transfer (Domestic Out)
National Exchange Bank and Trust: $25
National Exchange Bank and Trust: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 5.1% from Q3 2025 to Q2 2026, to $540K.

Service-charge income, Q2 2026

$540K

$569KQ3 2025

$556KQ4 2025

$564KQ1 2026

$540KQ2 2026

Against the median

National Exchange Bank and TrustMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

National Exchange Bank and Trust · $2.9B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.

Banks only
$2.7B to $3B in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
National Exchange Bank and Trust(this institution)	Fond du Lac, WI	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ANB Bank	Denver, CO	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Avidia Bank	Hudson, MA	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank Independent	Sheffield, AL	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
BayCoast Bank	Swansea, MA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cedar Rapids Bank and Trust Company	Cedar Rapids, IA	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Bank	York, NE	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Emprise Bank	Wichita, KS	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Lakewood	Lakewood, OH	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Fidelity Bank	Oklahoma City, OK	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Industrial and Commercial Bank of China USA, National Association	New York, NY	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ion Bank	Naugatuck, CT	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lawrence Bank	Nashville, TN	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maine Community Bank	Portland, ME	$3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mascoma Bank	Lebanon, NH	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Merchants Bank, National Association	Winona, MN	$2.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Minnwest Bank	Redwood Falls, MN	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NEXTIER BANK, NATIONAL ASSOCIATION	Kittanning, PA	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Spencer, IA	$3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Open Bank	Los Angeles, CA	$2.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Quad City Bank and Trust Company	Bettendorf, IA	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
State Bank of Southern Utah	Cedar City, UT	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sunrise Banks, National Association	Sioux Falls, SD	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Susser Bank	Dallas, TX	$3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
U. S. Century Bank	Doral, FL	$3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wayne Bank	Honesdale, PA	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

National Exchange Bank and Trust does not publish a monthly maintenance fee in the index.

The peer median is $8.25 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

National Exchange Bank and Trust does not publish a monthly maintenance fee, so it is not on this chart.

National Exchange Bank an…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for National Exchange Bank and Trust (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $540K
vs prior quarter: −$24K−4.3%; from Q1 2026
vs a year earlier: −$9K−1.6%; from Q2 2025
vs start of range: −$82K−13.2%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: National Exchange Bank and Trust (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$540K	−$24K	−4.3%
Q1 2026	$564K	+$8K	+1.4%
Q4 2025	$556K	−$13K	−2.3%
Q3 2025	$569K	+$20K	+3.6%
Q2 2025	$549K	−$43K	−7.3%
Q1 2025	$592K	$0	0.0%
Q4 2024	$592K	−$30K	−4.8%
Q3 2024	$622K	+$29K	+4.9%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from National Exchange Bank and Trust’s own schedules, with a source for each figure.

Account Maintenance

Closed Account within 180 days$25
Checkbook Balancing Fee: minimum (audience not stated, treated as personal)$25
Research (per hour): minimum$40
Not compared: Charged per hour; comparison unavailable
per hour
Statement - Paper Delivery - All other accounts (audience not stated, treated as personal)$2
per item · All other accounts, per statement
Statement - Paper Delivery - Free Checking (audience not stated, treated as personal)$3
per item · Free Checking accounts, per statement

Overdraft & NSF

Paid Item (if account balance < -$25)$35
Returned Item (if account balance < -$25)$15
Protection from Alternate Deposit Account$10
per item · Per transfer
Maximum Total OD/NSF Fees per Day - Personal Accounts$175
per day · Maximum per day for personal accounts

ATM & Card

ATM withdrawal outside of NEBAT or MoneyPass ® ATM$5
Not compared: Monthly charge, not per item
per month
ATM/CheckCard Replacement Card$10
ATM/CheckCard Replacement Card - Expedited$50
Card International Transaction Fee (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Wire Transfers: Domestic Outgoing$25
Wire Transfers: Foreign Outgoing$50
Wire Transfers: Foreign Incoming$25

Check Services

Cashier’s Check$6
Money Order$4
Stop Payment$30
Counter Check$1
Check Cashing – Non-customer$5
per item
Foreign (International) Checks - Deposited (audience not stated, treated as personal)$10
per item
Return of Check Due to Hold or Uncollected Funds$15
Check Images Returned in Statement$5
Not compared: Monthly charge, not per item
per month

Cash & Deposit

Foreign (International) Checks - Returned (audience not stated, treated as personal)$50
per item

Account Services

Notary (non-customer per visit up to 5 signatures)$5
Check Printing: Varies: Replacement Key$10
Not compared: Box drilling or key fee
Drilling$250
Not compared: Box drilling or key fee
Court Order/Garnishment/Levy$100

Lending Fees

Late Payment Fee$10

Retirement & IRA

IRA Transfer/Closure$25
per item
Network | IRA Transfer/Closure$25

Gift & Prepaid Cards

Gift Card$5.95
per item
Pre-Paid Reloadable Card$8.95

Other Fees

Fax - Outgoing$2
Photocopy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Closed Account within 180 days	$25	Not stated	None
Checkbook Balancing Fee: minimum (audience not stated, treated as personal)	$25	Not stated	None
Research (per hour): minimum	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Statement - Paper Delivery - All other accounts (audience not stated, treated as personal)	$2	per item	All other accounts, per statement
Statement - Paper Delivery - Free Checking (audience not stated, treated as personal)	$3	per item	Free Checking accounts, per statement
Overdraft & NSF
Paid Item (if account balance < -$25)	$35	Not stated	None
Returned Item (if account balance < -$25)	$15	Not stated	None
Protection from Alternate Deposit Account	$10	per item	Per transfer
Maximum Total OD/NSF Fees per Day - Personal Accounts	$175	per day	Maximum per day for personal accounts
ATM & Card
ATM withdrawal outside of NEBAT or MoneyPass ® ATM	$5Not compared: Monthly charge, not per item	per month	None
ATM/CheckCard Replacement Card	$10	Not stated	None
ATM/CheckCard Replacement Card - Expedited	$50	Not stated	None
Card International Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$25	Not stated	None
Wire Transfers: Foreign Outgoing	$50	Not stated	None
Wire Transfers: Foreign Incoming	$25	Not stated	None
Check Services
Cashier’s Check	$6	Not stated	None
Money Order	$4	Not stated	None
Stop Payment	$30	Not stated	None
Counter Check	$1	Not stated	None
Check Cashing – Non-customer	$5	per item	None
Foreign (International) Checks - Deposited (audience not stated, treated as personal)	$10	per item	None
Return of Check Due to Hold or Uncollected Funds	$15	Not stated	None
Check Images Returned in Statement	$5Not compared: Monthly charge, not per item	per month	None
Cash & Deposit
Foreign (International) Checks - Returned (audience not stated, treated as personal)	$50	per item	None
Account Services
Notary (non-customer per visit up to 5 signatures)	$5	Not stated	None
Check Printing: Varies: Replacement Key	$10Not compared: Box drilling or key fee	Not stated	None
Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Court Order/Garnishment/Levy	$100	Not stated	None
Lending Fees
Late Payment Fee	$10	Not stated	None
Retirement & IRA
IRA Transfer/Closure	$25	per item	None
Network \| IRA Transfer/Closure	$25	Not stated	None
Gift & Prepaid Cards
Gift Card	$5.95	per item	None
Pre-Paid Reloadable Card	$8.95	Not stated	None
Other Fees
Fax - Outgoing	$2	Not stated	None
Photocopy	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where National Exchange Bank and Trust operates, and what regulators and customers have on file.

Market position

In Fond du Lac, WI, National Exchange Bank and Trust holds 45.8% of bank deposits, #1 of 11, with 11 offices.

Compare fees with the 14 Fond du Lac, WI banks and credit unions in its home-metro peer set →

Offices in the metro

40 offices of 19 institutions shown.

National Exchange Bank and TrustOther banksCredit unions

Showing 40 of 42 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Fond du Lac, WI metro (FDIC metro code 22540), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1National Exchange Bank and Trust45.8%
2Horicon Bank8.5%
3U.S. Bank National Association8.2%
4BMO Bank National Association7.0%
5Fox Valley Savings Bank6.7%
6JPMorgan Chase Bank, National Association5.6%
7Bank First, N.A.5.4%
8Associated Bank, National Association5.2%

8 of 11 institutions shown. $2.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Fond du Lac, WI metro (FDIC metro code 22540)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 45.8% share, 11 offices, #1 of 11

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Fond du Lac, WI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

13 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the OCC and Federal Reserve

The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when National Exchange Bank and Trust's early account closure changes in our data

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