Compared with Wisconsin
13 of 24
compared fees are above the median.
5 below, 6 about the same.
About the same: within 1% of the median.
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
38th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 24 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 12, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Wisconsin median | Published fees above the Wisconsin 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
Service charges were 1.7% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (38th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
13 of 24 compared published fees sit above the Wisconsin median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wisconsin medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 5.1% from Q3 2025 to Q2 2026, to $540K. Its share of revenue, 1.7%, is below the 2.2% median for banks with $1B to $10B in assets.
$540K
National Exchange Bank and TrustMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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 | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| 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.
Peer pricing snapshot
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 2, 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.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for National Exchange Bank and Trust (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, National Exchange Bank and Trust left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to National Exchange Bank and Trust by share.
Amounts from National Exchange Bank and Trust’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · All other accounts, per statement
per item · Free Checking accounts, per statement
per item · Per transfer
per day · Maximum per day for personal accounts
per month
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account within 180 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checkbook Balancing Fee: minimum (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Research (per hour): minimum | $40Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Statement - Paper Delivery - All other accounts (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | All other accounts, per statement |
| Statement - Paper Delivery - Free Checking (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | Free Checking accounts, per statement |
Overdraft & NSF | |||
| Paid Item (if account balance < -$25) | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item (if account balance < -$25) | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Protection from Alternate Deposit Account | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | Per transfer |
| Maximum Total OD/NSF Fees per Day - Personal Accounts | $175Above the U.S. middle 50% ($100 to $163.75 nationally) | 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 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/CheckCard Replacement Card - Expedited | $50Inside the U.S. middle 50% ($30 to $50 nationally) | 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 | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Foreign Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Foreign Incoming | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing – Non-customer | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign (International) Checks - Deposited (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Return of Check Due to Hold or Uncollected Funds | $15Above the U.S. middle 50% ($5 to $10 nationally) | 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) | $50Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary (non-customer per visit up to 5 signatures) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer/Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| Network | IRA Transfer/Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $5.95Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Pre-Paid Reloadable Card | $8.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax - Outgoing | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where National Exchange Bank and Trust operates, and what regulators and customers have on file.
Branch footprint
33 offices in 1 state, $2.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 11 | $1.3B | |
| Outside a metro area | 10 | $320.8M |
| 3 | $250.5M | |
| 5 | $214.9M | |
| 2 | $91.5M | |
| 1 | $31.4M | |
| 1 | $21.1M |
Fond du Lac, WI
45.8% of bank deposits, #1 of 11, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Horicon Bank | 8.5% |
| U.S. Bank National Association | 8.2% |
| BMO Bank National Association | 7% |
| Fox Valley Savings Bank | 6.7% |
| JPMorgan Chase Bank, National Association | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Fond du Lac, WI, National Exchange Bank and Trust holds 45.8% of bank deposits, #1 of 11, with 11 offices.
40 offices of 19 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 11 institutions shown. $2.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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 1, 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
We check once a day and send one email covering every change.