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 National Exchange Bank and Trust Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 18, 2026
National Exchange Bank and Trust's 25-Month CD rates are at 4.00%, 7-Month CD rates are at 3.78%, 11-Month CD rates are at 3.76%, Dollars for Scholars - 36-Month rates are at 3.30%, 36-Month - Fixed Rate IRA Certificate of Deposit rates are at 3.00%. National Exchange Bank and Trust's savings rates are at 0.05%. National Exchange Bank and Trust's money market rates are at 0.75%. National Exchange Bank and Trust's Credit Card Rates are at 12.65%. MonitorBankRates evaluates the financial stability of National Exchange Bank and Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 09/18/2026. National Exchange Bank and Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at National Exchange Bank and Trust? Share your experience about National Exchange Bank and Trust by leaving a review below, or read customer reviews before you decide to use National Exchange Bank and Trust. 
National Exchange Bank and Trust CD Rates
National Exchange Bank and Trust Savings Rates
National Exchange Bank and Trust Money Market Rates
National Exchange Bank and Trust Checking Rates
National Exchange Bank and Trust Credit Card Rates
Financial Health HistoryNational Exchange Bank and Trust’s Texas Ratio fell from 11.02% in Q3 2023 to 1.09% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for National Exchange Bank and Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather National Exchange Bank and Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with National Exchange Bank and Trust's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
National Exchange Bank and Trust
Bank Holding Company
NEB CORP
Address
130 S Main St,
Fond Du Lac, WI 54935 · Fond Du Lac
Website
https://www.nebat.com
FDIC Certificate #
10044
Established
19331220
FDIC Insurance Date
19340101
Domestic Offices
34
Total Branches
34
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.09%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.6928%
Return on Equity (ROE)
8.8000%
Non-Performing Loans (NPL)
0.22%
Total Assets
$2,890,553,000
Total Deposits
$2,257,154,000
Equity Capital
$571,487,000
Net Income
$24,669,000
Headquarters
Fond Du Lac
Total Branches and Offices
34
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for National Exchange Bank and Trust yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for National Exchange Bank and Trust
Frequently Asked Questions About National Exchange Bank and TrustHow many branches does National Exchange Bank and Trust operate?National Exchange Bank and Trust currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, National Exchange Bank and Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, National Exchange Bank and Trust provides members with tools to manage their accounts and build a solid financial history. Does National Exchange Bank and Trust offer online and mobile banking?Most modern institutions like National Exchange Bank and Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nebat.com. Current National Exchange Bank and Trust Rates
Retrieved from our database of financial products. Rates subject to change.
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