National Exchange Bank And Trust Mortgage Rates, Fees & Info

Fond du Lac, WI

LEI: 5493006P0JVBBAHVXV08

Tax ID: 39-0493676

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    National Exchange Bank And Trust is a smaller bank specializing in Home Purchase and Refi loans. National Exchange Bank And Trust has a high proportion of conventional loans. National Exchange Bank And Trust has an average proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Fond Du Lac, Milwaukee, Sheboygan, Beaver Dam, and Appleton among others. We have data for 34 markets. (Some data included below & more in-depth data is available with an active subscription.)

    National Exchange Bank And Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. National Exchange Bank And Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.62% 12/16/24
    30 Year Conventional Purchase 6.53% 12/16/24
    30 Year Conventional Refi 6.55% 12/16/24
    30 Year Cash-out Refi 6.59% 12/16/24
    30 Year USDA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 7.95% 12/16/24
    15 Year Conventional Refi 6.02% 12/16/24
    15 Year Cash-out Refi 6.02% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    National Exchange Bank And Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from National Exchange Bank And Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,191

    Origination Dollar Volume (All Markets)

    $173,625,000

    Employee count

    333 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    FOND DU LAC, WI (FHA|USDA|VA) 490 $57,260,000 $116,857 $1,209 4.44%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 151 $29,495,000 $195,331 $1,080 4.26%
    SHEBOYGAN, WI (FHA|USDA|VA) 138 $15,370,000 $111,377 $1,389 4.77%
    Outside of Metro Areas 104 $11,020,000 $105,962 $1,448 4.60%
    Beaver Dam, WI (FHA|USDA|VA) 96 $9,920,000 $103,333 $1,278 5.09%
    APPLETON, WI (FHA|USDA|VA) 57 $9,185,000 $161,140 $1,783 3.98%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $7,005,000 $7,005,000 $0 5.50%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 52 $6,740,000 $129,615 $1,464 4.48%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $4,275,000 $4,275,000 $0 0.00%
    Manitowoc, WI (FHA|USDA|VA) 23 $4,015,000 $174,565 $1,511 4.35%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $3,955,000 $1,318,333 $0 5.50%
    MADISON, WI (FHA|USDA|VA) 34 $3,590,000 $105,588 $1,195 4.98%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $2,205,000 $735,000 $0 4.69%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $1,305,000 $1,305,000 $0 4.75%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $1,175,000 $1,175,000 $0 4.95%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $0 5.75%
    RACINE, WI (FHA|USDA|VA) 3 $705,000 $235,000 $1,348 4.96%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $620,000 $310,000 $1,813 5.16%
    Whitewater, WI (FHA|USDA|VA) 3 $565,000 $188,333 $1,040 6.33%
    GREEN BAY, WI (FHA|USDA|VA) 4 $560,000 $140,000 $1,924 6.28%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $560,000 $280,000 $2,126 3.81%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $3,415 4.25%
    Baraboo, WI (FHA|USDA|VA) 3 $475,000 $158,333 $0 7.00%
    Marinette, WI-MI (FHA|USDA|VA) 6 $440,000 $73,333 $811 5.28%
    EAU CLAIRE, WI (FHA|USDA|VA) 2 $320,000 $160,000 $1,256 3.81%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $285,000 $285,000 $0 5.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,069 4.00%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.50%
    Shawano, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,745 4.38%
    TUCSON, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $1,963 3.75%
    Stevens Point, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,660 4.38%
    Key West, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.25%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.38%
    National Exchange Bank And Trust's top markets include Fond Du Lac, Milwaukee, Sheboygan, Beaver Dam, and Appleton among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against National Exchange Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 8
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    Similarity Rank: 70
    NORTHWESTERN MUTUAL
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    The Bank of Kaukauna
    Similarity Rank: 119
    Empower Credit Union
    Similarity Rank: 144
    UNISON CREDIT UNION
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    Similarity Rank: 182
    UNITEDONE Credit Union
    Similarity Rank: 220
    EDUCATORS CREDIT UNION
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    First Community Credit Union
    Similarity Rank: 290

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 870 $147,500,000 $169,540 $1,294 4.55%
    Conventional 318 $25,670,000 $80,723 $0 0.00%
    USDA 3 $455,000 $151,667 $2,903 3.83%

    For 2019, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 870 originations. Their 2nd most popular type was Conventional, with 318 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 484 $83,880,000 $173,306 $1,488 4.86%
    Refi 249 $43,085,000 $173,032 $1,076 3.93%
    Cash Out Refi 225 $29,185,000 $129,711 $1,292 4.50%
    Home Improvement 125 $6,375,000 $51,000 $872 5.52%
    Other 108 $11,100,000 $102,778 $1,152 4.69%

    For 2019, National Exchange Bank And Trust's most frequently cited loan purpose was Home Purchase, with 484 originations. The 2nd most popular reason was Refi, with 249 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 455 $80,715,000 $177,396 $1,412 4.16%
    Other 357 $36,795,000 $103,067 $935 5.92%
    15 Year 172 $20,510,000 $119,244 $1,146 4.44%
    20 Year 81 $11,255,000 $138,951 $1,056 4.72%
    5 Year 47 $13,545,000 $288,191 $258 5.35%
    10 Year 30 $2,080,000 $69,333 $803 6.15%
    3 Year 28 $4,310,000 $153,929 $0 5.59%
    1 Year 20 $3,960,000 $198,000 $1,411 5.08%
    30+ year 1 $455,000 $455,000 $2,489 4.50%

    For 2019, National Exchange Bank And Trust's most frequently cited loan duration was 30 Year, with 455 originations. The 2nd most popular length was Other, with 357 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 640 $100,800,000 $157,500
    $1k-2k 34 $8,180,000 $240,588
    $2k-3k 15 $3,775,000 $251,667
    $3k-4k 7 $1,855,000 $265,000
    $4k-5k 2 $780,000 $390,000

    National Exchange Bank And Trust's average total fees were $1,412, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 640 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 414 $74,150,000 $179,106
    4-5% 244 $41,770,000 $171,189
    5-6% 124 $28,250,000 $227,823
    7-8% 66 $2,210,000 $33,485
    6-7% 12 $930,000 $77,500
    Over 8% 10 $240,000 $24,000
    2.5-3% 3 $405,000 $135,000

    During 2019, National Exchange Bank And Trust's average interest rate for loans was 4.16%, while their most frequently originated rate bucket for loans was 3-4%, with 414 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 561 $28,765,000 $51,275 $1,173 5.35%
    $100k-200k 386 $55,530,000 $143,860 $1,263 4.07%
    $200k-400k 201 $51,875,000 $258,085 $1,431 4.12%
    $400k-600k 31 $13,645,000 $440,161 $1,853 4.15%
    $1MM+ 10 $22,430,000 $2,243,000 $1,001 5.19%
    $600k-1MM 2 $1,380,000 $690,000 $1,308 4.75%

    2019 saw National Exchange Bank And Trust place emphasis on $100,000 or less loans with 561 originations, totaling $28,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 258 $19,700,000 $76,357 $1,255 5.04%
    $50k-75k 245 $26,475,000 $108,061 $1,269 4.48%
    $100k-150k 242 $39,050,000 $161,364 $1,336 4.24%
    $75k-100k 225 $27,215,000 $120,956 $1,235 4.43%
    $150k-250k 93 $17,665,000 $189,946 $1,550 4.05%
    $250k+ 39 $21,155,000 $542,436 $1,650 4.33%

    National Exchange Bank And Trust lent most frequently to those with incomes in the $50k or less range, with 258 originations. The second most popular income band? $50k-75k, with 245 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 318 $25,670,000 $80,723 $0 0.00%
    20-30% 228 $34,110,000 $149,605 $1,201 4.35%
    30-36% 165 $26,525,000 $160,758 $1,427 4.35%
    <20% 86 $12,260,000 $142,558 $1,165 4.19%
    42% 38 $5,120,000 $134,737 $1,218 4.58%
    38% 38 $5,200,000 $136,842 $1,286 4.77%
    37% 37 $6,245,000 $168,784 $1,425 4.49%
    39% 35 $5,785,000 $165,286 $1,521 4.49%
    40% 34 $4,610,000 $135,588 $1,192 4.66%
    36% 29 $4,635,000 $159,828 $1,382 4.56%
    41% 24 $2,850,000 $118,750 $1,266 4.98%
    43% 23 $4,185,000 $181,957 $1,537 4.24%
    44% 14 $2,220,000 $158,571 $1,652 5.02%
    48% 6 $850,000 $141,667 $1,495 5.08%
    50-60% 6 $920,000 $153,333 $1,329 4.50%
    49% 3 $355,000 $118,333 $1,059 5.50%
    46% 3 $385,000 $128,333 $1,051 4.92%
    >60% 3 $1,145,000 $381,667 $652 5.08%
    45% 2 $460,000 $230,000 $908 4.38%
    47% 1 $45,000 $45,000 $1,613 4.75%

    National Exchange Bank And Trust lent most frequently to those with DTI ratios of Exempt%, with 318 originations. The next most common DTI ratio? 20-30%, with 228 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,102 $150,500,000 $136,570 $1,299 4.52%
    Not applicable 53 $17,745,000 $334,811 $0 5.31%
    Not provided 26 $4,500,000 $173,077 $1,448 3.93%
    Asian 7 $615,000 $87,857 $769 4.23%
    Native Hawaiian or Islander 1 $155,000 $155,000 $0 0.00%
    Black 2 $110,000 $55,000 $1,430 5.25%

    Approval Rates

    Total approvals of all applications
    91.93%

    National Exchange Bank And Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.81%

    National Exchange Bank And Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 1 $25,000 $25,000
    138.0 74 $2,430,000 $32,838
    163.0 1 $45,000 $45,000
    165.0 1 $15,000 $15,000
    Exempt 318 $25,670,000 $80,723
    NA 796 $145,440,000 $182,714

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 6 $8,050,000 $1,341,667
    Multifamily:Site-Built 5 $7,915,000 $1,583,000
    Single Family (1-4 Units):Manufactured 97 $4,075,000 $42,010
    Single Family (1-4 Units):Site-Built 1,083 $153,585,000 $141,814

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 64 $6,990,000 $109,219 $919 4.67%
    40-60% 138 $20,660,000 $149,710 $1,102 4.36%
    60-80% 406 $78,130,000 $192,438 $1,392 4.45%
    80-100% 240 $40,310,000 $167,958 $1,415 4.70%
    Under 20% 25 $1,865,000 $74,600 $497 5.22%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    NATIONAL ASSET MORTGAGE, LLC Other type of mortgage Closing on a mortgage 1 50.0%
    NATIONAL ASSET MORTGAGE, LLC Other type of mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    National Exchange Bank and Trust 103 North High Street Randolph, WI 53956 Full Service B&M $33,870
    National Exchange Bank and Trust 105 East Main Street Glenbeulah, WI 53023 Full Service B&M $12,074
    National Exchange Bank and Trust 1125 E. Johnson Street Fond Du Lac, WI 54935 Full Service B&M $6,140
    National Exchange Bank and Trust 113 Lake Street Pardeeville, WI 53954 Full Service B&M $37,517
    National Exchange Bank and Trust 114 North Fond Du Lac Avenue Campbellsport, WI 53010 Full Service B&M $79,946
    National Exchange Bank and Trust 120 North South Street Kingston, WI 53939 Full Service B&M $19,849
    National Exchange Bank and Trust 1265 East Chestnut Street Chilton, WI 53014 Full Service B&M $20,853
    National Exchange Bank and Trust 130 South Main Street Fond Du Lac, WI 54935 Full Service B&M $451,221
    National Exchange Bank and Trust 1320 West Paradise Drive West Bend, WI 53095 Full Service B&M $51,404
    National Exchange Bank and Trust 154 Stark Street Randolph, WI 53956 Limited, Drive-thru $0
    National Exchange Bank and Trust 1609 Spring Street Beaver Dam, WI 53916 Full Service B&M $17,856
    National Exchange Bank and Trust 1802 Horicon Street Mayville, WI 53050 Full Service B&M $15,413
    National Exchange Bank and Trust 191 North Main Street Sheboygan Falls, WI 53085 Full Service B&M $12,066
    National Exchange Bank and Trust 200 West Main Street Omro, WI 54963 Full Service B&M $13,174
    National Exchange Bank and Trust 209 N. Front Street Coloma, WI 54930 Full Service B&M $25,738
    National Exchange Bank and Trust 211 North Wisconsin Drive Howards Grove, WI 53081 Full Service B&M $37,541
    National Exchange Bank and Trust 24 West Street Montello, WI 53949 Full Service B&M $46,427
    National Exchange Bank and Trust 274 Osthoff Avenue Elkhart Lake, WI 53020 Full Service B&M $41,882
    National Exchange Bank and Trust 310 Madison Avenue Cascade, WI 53011 Full Service B&M $10,629
    National Exchange Bank and Trust 323 South Main Cedar Grove, WI 53013 Full Service B&M $17,745
    National Exchange Bank and Trust 326 Second Street Westfield, WI 53964 Full Service B&M $12,042
    National Exchange Bank and Trust 346 North Main Street Fond Du Lac, WI 54935 Full Service B&M $11,014
    National Exchange Bank and Trust 404 East Main Street Eden, WI 53019 Full Service B&M $28,812
    National Exchange Bank and Trust 505 Main Street Brownsville, WI 53006 Full Service B&M $58,239
    National Exchange Bank and Trust 509 Main Street Dalton, WI 53926 Full Service B&M $1,045
    National Exchange Bank and Trust 516 Fond Du Lac Street Mount Calvary, WI 53057 Full Service B&M $40,385
    National Exchange Bank and Trust 6278 Blueberry Road Allenton, WI 53002 Full Service B&M $16,449
    National Exchange Bank and Trust 676 West Johnson Street Fond Du Lac, WI 54935 Full Service B&M $111,117
    National Exchange Bank and Trust 705 West Water Street Princeton, WI 54968 Full Service B&M $14,662
    National Exchange Bank and Trust 901 Wisconsin Street Adell, WI 53001 Full Service B&M $14,491
    National Exchange Bank and Trust N10504 County Road G New Holstein, WI 53061 Full Service B&M $17,150
    National Exchange Bank and Trust W239 N1700 Busse Road Waukesha, WI 53188 Full Service B&M $145,414

    For 2019, National Exchange Bank And Trust had 32 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $79,687
    Net interest income $70,041
    Total noninterest income $12,636
    Gross Fiduciary activities income $2,604
    Service charges on deposit accounts $1,707
    Trading account gains and fees $0
    Additional Noninterest Income $8,325
    Pre-tax net operating income $39,873
    Securities gains (or losses, -) $2,191
    Income before extraordinary items $32,170
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $32,170
    Minority interest net income $0
    Net income $32,170
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $30,439

    National Exchange Bank And Trust's gross interest income from loans was $79,687,000.
    National Exchange Bank And Trust's net interest income from loans was $70,041,000.
    National Exchange Bank And Trust's fee based income from loans was $1,707,000.
    National Exchange Bank And Trust's net income from loans was $32,170,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,646
    Provision for credit losses $0
    Total noninterest expense $42,804
    Salaries and employee benefits $24,929
    Premises and equipment expense $4,014
    Additional noninterest expense $13,861
    Applicable income taxes $9,894
    Net charge-offs $109
    Cash dividends $10,000

    National Exchange Bank And Trust's interest expense for loans was $9,646,000.
    National Exchange Bank And Trust's payroll and benefits expense were $24,929,000.
    National Exchange Bank And Trust's property, plant and equipment expenses $4,014,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,411,939
    Deposits held in domestic offices $1,411,939
    Deposits by Individuals, partnerships, and corporations $1,268,516
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $143,421
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $369,555
    Demand deposits $369,555
    Nontransaction accounts $1,042,384
    Money market deposit accounts (MMDAs) $622,972
    Other savings deposits (excluding MMDAs) $264,611
    Total time deposits $154,801
    Total time and savings deposits $1,042,384
    Noninterest-bearing deposits $281,987
    Interest-bearing deposits $1,129,952
    Retail deposits $1,397,954
    IRAs and Keogh plan accounts $41,656
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,903,675
    Cash & Balances due from depository institutions $121,612
    Interest-bearing balances $87,123
    Total securities $536,121
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,163,267
    Loan and leases loss allowance $31,008
    Trading account assets $0
    Bank premises and fixed assets $9,109
    Other real estate owned $66
    Goodwill and other intangibles $5,306
    All other assets $68,194

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,903,675
    Total Liabilities $1,501,495
    Total deposits $1,411,939
    Interest-bearing deposits $1,129,952
    Deposits held in domestic offices $1,411,939
    % insured (estimated) $51
    Federal funds purchased and repurchase agreements $73,153
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $16,403

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,163,267
    Loan and leases loss allowance $31,008
    Total loans and leases (domestic) $1,194,275
    All real estate loans $836,082
    Real estate loans in domestic offices $836,082
    Construction and development loans $108,561
    Residential 1-4 family construction $13,117
    Other construction, all land development and other land $95,444
    Loans secured by nonfarm nonresidential properties $471,646
    Nonfarm nonresidential secured by owner-occupied properties $172,300
    Commercial real estate & other non-farm, non-residential $299,346
    Multifamily residential real estate $40,746
    1-4 family residential loans $175,722
    Farmland loans $39,407
    Loans held in foreign offices $0
    Farm loans $11,856
    Commercial and industrial loans $231,216
    To non-U.S. addressees $0
    Loans to individuals $19,173
    Credit card loans $2,340
    Related Plans $395
    Consumer Auto Loans $6,757
    Other loans to individuals $9,681
    All other loans & leases $97,556
    Loans to foreign governments and official institutions $0
    Other loans $52,833
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $15,104
    Non 1-4 family restructured loans & leases $12,581
    Total loans and leases (foreign) $0

    National Exchange Bank and Trust had $1,163,267,000 of loans outstanding in 2019. $836,082,000 of loans were in real estate loans. $108,561,000 of loans were in development loans. $40,746,000 of loans were in multifamily mortgage loans. $175,722,000 of loans were in 1-4 family mortgage loans. $11,856,000 of loans were in farm loans. $2,340,000 of loans were in credit card loans. $6,757,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 576 $101,497 $176,210
    Nonfarm, nonresidential loans - <$100k 285 $10,219 $35,856
    Nonfarm, nonresidential loans - $100-250k 147 $23,938 $162,844
    Nonfarm, nonresidential loans - $250k-1MM 144 $67,340 $467,639
    Commercial & Industrial, US addressed loans - <$1MM 1,885 $100,954 $53,556
    Commercial & Industrial, US addressed loans - <$100k 1,645 $38,339 $23,306
    Commercial & Industrial, US addressed loans - $100-250k 148 $22,507 $152,074
    Commercial & Industrial, US addressed loans - $250k-1MM 92 $40,108 $435,957
    Farmland loans - <$1MM 208 $22,340 $107,404
    Farmland loans - <$100k 122 $5,504 $45,115
    Farmland loans - $100-250k 68 $10,705 $157,426
    Farmland loans - $250k-1MM 18 $6,131 $340,611
    Agriculture operations loans - <$1MM 162 $6,519 $40,241
    Agriculture operations loans - <$100k 144 $3,287 $22,826
    Agriculture operations loans - $100-250k 14 $2,025 $144,643
    Agriculture operations loans - $250k-1MM 4 $1,207 $301,750