Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

NATIONAL EXCHANGE BANK&TRUST

FDIC #10044 · WI · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,381,420-28.89% YoY

Total deposits1,056,930-31.01% YoY

Net loans and leases730,884-28.15% YoY

Return on assets1.58%+24.61% YoY

Return on equity8.07%+10.25% YoY

Net interest margin3.61%+6.55% YoY

Peer position

Return on assets78thstrength · n=902

Return on equity25thopportunity · n=894

Net interest margin66thin line · n=902

Equity to assets98thstrength · n=894

Noncurrent loans63rdin line · n=887

Liquid assets90thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits78thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,381,420	1,056,930	730,884	1.58	8.07	3.61
2016-06-30	1,347,843	1,017,771	734,318	1.63	8.16	3.76
2016-09-30	2,025,047	1,615,323	1,071,991	1.34	7.59	3.60
2016-12-31	1,997,501	1,596,740	1,066,894	1.34	7.66	3.52
2017-03-31	1,942,638	1,531,911	1,017,287	1.26	7.32	3.38
2017-06-30	1,827,955	1,412,289	1,079,833	1.32	7.36	3.50
2017-09-30	1,903,441	1,478,410	1,069,980	1.36	7.46	3.57
2017-12-31	1,897,836	1,481,602	1,112,736	1.09	5.98	3.57
2018-03-31	1,914,628	1,481,044	1,131,306	1.65	8.86	3.82
2018-06-30	1,824,392	1,398,926	1,098,806	1.71	8.95	3.92
2018-09-30	1,862,869	1,428,406	1,084,269	1.72	8.89	3.94
2018-12-31	1,945,433	1,497,897	1,076,823	1.76	9.14	3.92
2019-03-31	1,964,348	1,516,732	1,093,532	1.55	7.97	3.74
2019-06-30	1,879,574	1,422,165	1,098,044	1.59	7.98	3.84
2019-09-30	1,943,128	1,479,983	1,141,671	1.67	8.29	3.86
2019-12-31	1,903,675	1,411,939	1,163,267	1.67	8.19	3.87
2020-03-31	2,089,096	1,614,693	1,272,764	1.15	5.65	3.86
2020-06-30	2,304,864	1,754,400	1,383,587	1.14	5.85	3.98
2020-09-30	2,360,323	1,829,967	1,336,996	0.94	4.93	3.66
2020-12-31	2,480,601	1,972,488	1,237,803	0.66	3.53	3.41
2021-03-31	2,580,942	2,047,174	1,179,139	1.28	7.59	2.89
2021-06-30	2,552,361	2,043,227	1,132,315	1.22	7.23	2.78
2021-09-30	2,609,776	2,101,366	1,190,940	1.14	6.77	2.67
2021-12-31	2,669,145	2,163,053	1,250,263	1.10	6.59	2.64
2022-03-31	2,670,932	2,199,035	1,285,260	0.96	6.16	2.59
2022-06-30	2,571,656	2,126,337	1,364,776	1.03	6.67	2.74
2022-09-30	2,593,020	2,150,417	1,444,331	1.10	7.25	2.92
2022-12-31	2,635,396	2,170,510	1,550,164	1.20	7.97	3.12
2023-03-31	2,689,368	2,165,891	1,595,073	1.54	10.20	3.74
2023-06-30	2,726,831	2,162,251	1,648,271	1.51	9.95	3.72
2023-09-30	2,692,427	2,143,980	1,616,401	1.51	9.87	3.74
2023-12-31	2,786,163	2,204,049	1,640,456	1.48	9.58	3.71
2024-03-31	2,805,130	2,242,027	1,622,078	1.36	8.38	3.64
2024-06-30	2,758,478	2,236,697	1,601,542	1.32	8.01	3.70
2024-09-30	2,865,827	2,323,421	1,595,437	1.16	6.96	3.62
2024-12-31	2,862,772	2,326,023	1,573,192	1.21	7.22	3.63
2025-03-31	2,950,502	2,392,693	1,621,249	1.39	8.14	3.56
2025-06-30	2,887,103	2,325,642	1,633,038	1.41	8.08	3.63
2025-09-30	2,919,051	2,321,022	1,638,869	1.50	8.46	3.73
2025-12-31	2,920,038	2,301,942	1,662,185	1.50	8.37	3.83
2026-03-31	2,933,056	2,317,148	1,610,379	1.68	8.84	3.89
2026-06-30	2,890,553	2,257,154	1,648,881	1.69	8.80	3.96

Structure and branch footprint

34 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-01-25	1	881544	722544
2016-09-10	1	658540	722544
2006-01-01	1	2126061	722544
1995-11-01	1	531540	722544
1995-11-01	1	503042	722544
1994-06-01	1	520843	722544
1989-06-24	1	213444	722544

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.