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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    • 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 Refi, Cash Out Refi, and Home Purchase 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. Their top markets by origination volume include: Fond Du Lac, Milwaukee, Sheboygan, Beaver Dam, and Appleton among others. We have data for 40 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

    1,888

    Origination Dollar Volume (All Markets)

    $293,210,000

    Employee count

    364 Show all (11) 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) 798 $116,180,000 $145,589 $1,221 3.27%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 225 $48,325,000 $214,778 $1,201 3.24%
    SHEBOYGAN, WI (FHA|USDA|VA) 187 $28,775,000 $153,877 $1,299 3.47%
    Beaver Dam, WI (FHA|USDA|VA) 185 $20,285,000 $109,649 $1,190 3.67%
    Outside of Metro Areas 147 $19,595,000 $133,299 $1,468 3.59%
    APPLETON, WI (FHA|USDA|VA) 106 $17,240,000 $162,642 $1,249 3.21%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 74 $10,320,000 $139,459 $1,096 3.62%
    MADISON, WI (FHA|USDA|VA) 57 $8,555,000 $150,088 $1,445 3.28%
    Manitowoc, WI (FHA|USDA|VA) 37 $6,385,000 $172,568 $1,384 3.15%
    GREEN BAY, WI (FHA|USDA|VA) 18 $4,400,000 $244,444 $1,410 2.91%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $3,005,000 $1,001,667 $1,125 4.00%
    Shawano, WI (FHA|USDA|VA) 7 $1,245,000 $177,857 $974 4.14%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $0 4.50%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $1,135,000 $1,135,000 $0 4.75%
    Marinette, WI-MI (FHA|USDA|VA) 4 $640,000 $160,000 $763 2.66%
    Whitewater, WI (FHA|USDA|VA) 8 $510,000 $63,750 $1,165 6.80%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $505,000 $505,000 $2,923 3.38%
    Hilo, HI (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
    TOLEDO, OH (FHA|USDA|VA) 1 $355,000 $355,000 $4,715 4.75%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $350,000 $175,000 $882 3.00%
    RACINE, WI (FHA|USDA|VA) 4 $340,000 $85,000 $934 4.25%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $315,000 $315,000 $2,352 3.75%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $315,000 $315,000 $1,959 2.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $280,000 $140,000 $1,802 2.50%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $275,000 $275,000 $780 3.38%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,323 3.25%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $245,000 $245,000 $1,439 2.75%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $1,970 3.38%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $190,000 $95,000 $1,065 3.75%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $675 2.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $155,000 $155,000 $921 2.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,250 2.63%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,592 3.63%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $115,000 $115,000 $1,460 5.25%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $95,000 $95,000 $1,029 2.38%
    Clinton, IA (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
    Baraboo, WI (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.25%
    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)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Georgia (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.

    The Bank of Kaukauna
    Similarity Rank: 112
    UNISON CREDIT UNION
    Similarity Rank: 371
    Empower Credit Union
    Similarity Rank: 459
    CAPITAL Credit Union
    Similarity Rank: 462
    Royal Bank
    Similarity Rank: 468
    Starion Bank
    Similarity Rank: 546
    UNITEDONE Credit Union
    Similarity Rank: 689
    The Greenwood's State Bank
    Similarity Rank: 729
    Westbury Bank
    Similarity Rank: 900
    Hometown Bank
    Similarity Rank: 960

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,509 $266,265,000 $176,451 $1,252 3.38%
    Conventional 379 $26,945,000 $71,095 $0 0.00%

    For 2020, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 1,509 originations. Their 2nd most popular type was Conventional, with 379 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 591 $111,395,000 $188,486 $1,024 3.02%
    Cash Out Refi 565 $84,675,000 $149,867 $1,283 3.25%
    Home Purchase 449 $80,835,000 $180,033 $1,625 4.00%
    Home Improvement 172 $8,870,000 $51,570 $1,304 4.92%
    Other 111 $7,435,000 $66,982 $1,346 4.08%

    For 2020, National Exchange Bank And Trust's most frequently cited loan purpose was Refi, with 591 originations. The 2nd most popular reason was Cash Out Refi, with 565 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 701 $138,165,000 $197,097 $1,363 3.30%
    15 Year 440 $65,480,000 $148,818 $1,109 3.08%
    Other 421 $37,465,000 $88,990 $981 4.74%
    20 Year 155 $27,975,000 $180,484 $1,214 3.24%
    10 Year 86 $10,710,000 $124,535 $1,077 3.39%
    5 Year 41 $7,085,000 $172,805 $448 5.21%
    3 Year 29 $2,745,000 $94,655 $0 5.11%
    1 Year 14 $3,260,000 $232,857 $1,708 4.81%
    30+ year 1 $325,000 $325,000 $3,213 4.50%

    For 2020, National Exchange Bank And Trust's most frequently cited loan duration was 30 Year, with 701 originations. The 2nd most popular length was 15 Year, with 440 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,291 $218,675,000 $169,384
    $1k-2k 90 $18,830,000 $209,222
    $2k-3k 26 $6,660,000 $256,154
    $3k-4k 8 $2,080,000 $260,000
    $4k-5k 4 $1,260,000 $315,000
    $5k+ 1 $515,000 $515,000

    National Exchange Bank And Trust's average total fees were $1,363, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,291 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 593 $106,525,000 $179,637
    3-4% 521 $99,935,000 $191,814
    <2.5% 178 $29,200,000 $164,045
    4-5% 96 $19,230,000 $200,313
    5-6% 59 $9,085,000 $153,983
    7-8% 48 $1,660,000 $34,583
    Over 8% 9 $215,000 $23,889
    6-7% 5 $415,000 $83,000

    During 2020, National Exchange Bank And Trust's average interest rate for loans was 3.30%, while their most frequently originated rate bucket for loans was 2.5-3%, with 593 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 732 $106,060,000 $144,891 $1,217 3.12%
    $100,000 or less 650 $35,240,000 $54,215 $1,105 4.11%
    $200k-400k 450 $121,550,000 $270,111 $1,338 3.15%
    $400k-600k 50 $22,680,000 $453,600 $1,844 3.26%
    $1MM+ 4 $6,450,000 $1,612,500 $0 4.84%
    $600k-1MM 2 $1,230,000 $615,000 $923 3.63%

    2020 saw National Exchange Bank And Trust place emphasis on $100k-200k loans with 732 originations, totaling $106,060,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 401 $72,795,000 $181,534 $1,315 3.21%
    $50k-75k 396 $50,440,000 $127,374 $1,214 3.35%
    $50k or less 343 $29,735,000 $86,691 $1,220 3.86%
    $75k-100k 335 $46,535,000 $138,910 $1,235 3.23%
    $150k-250k 209 $48,495,000 $232,033 $1,309 3.04%
    $250k+ 72 $19,850,000 $275,694 $1,423 3.31%

    National Exchange Bank And Trust lent most frequently to those with incomes in the $100k-150k range, with 401 originations. The second most popular income band? $50k-75k, with 396 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 469 $80,025,000 $170,629 $1,239 3.21%
    Exempt% 379 $26,945,000 $71,095 $0 0.00%
    30-36% 310 $55,350,000 $178,548 $1,304 3.31%
    <20% 252 $40,260,000 $159,762 $1,173 3.46%
    39% 57 $10,905,000 $191,316 $1,246 3.41%
    38% 49 $8,405,000 $171,531 $1,291 3.18%
    37% 46 $8,000,000 $173,913 $1,205 3.24%
    36% 46 $6,890,000 $149,783 $1,219 3.27%
    41% 45 $7,775,000 $172,778 $1,325 3.47%
    42% 45 $8,695,000 $193,222 $1,465 3.34%
    40% 42 $7,320,000 $174,286 $1,335 3.25%
    44% 25 $4,895,000 $195,800 $997 3.53%
    43% 20 $4,240,000 $212,000 $1,184 3.03%
    50-60% 14 $2,600,000 $185,714 $1,425 4.95%
    45% 14 $2,290,000 $163,571 $1,296 3.37%
    46% 9 $1,495,000 $166,111 $1,073 2.94%
    >60% 5 $1,365,000 $273,000 $1,409 4.44%
    49% 4 $830,000 $207,500 $963 3.50%
    47% 4 $540,000 $135,000 $1,310 4.03%
    48% 4 $600,000 $150,000 $1,257 3.19%

    National Exchange Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 469 originations. The next most common DTI ratio? Exempt%, with 379 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,761 $266,665,000 $151,428 $1,248 3.30%
    Not applicable 55 $14,635,000 $266,091 $0 4.84%
    Not provided 60 $10,270,000 $171,167 $1,340 3.96%
    Asian 5 $965,000 $193,000 $978 2.75%
    American Indian 4 $550,000 $137,500 $1,860 3.66%
    Black 2 $80,000 $40,000 $0 7.38%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    92.05%

    National Exchange Bank And Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.14%

    National Exchange Bank And Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 8 $360,000 $45,000
    138.0 30 $920,000 $30,667
    140.0 1 $25,000 $25,000
    163.0 3 $55,000 $18,333
    182.0 1 $5,000 $5,000
    185.0 1 $15,000 $15,000
    205.0 1 $75,000 $75,000
    50.0 9 $285,000 $31,667
    63.0 1 $65,000 $65,000
    Exempt 379 $26,945,000 $71,095
    NA 1,454 $264,460,000 $181,884

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $4,100,000 $1,025,000
    Multifamily:Site-Built 18 $5,270,000 $292,778
    Single Family (1-4 Units):Manufactured 78 $3,660,000 $46,923
    Single Family (1-4 Units):Site-Built 1,788 $280,180,000 $156,700

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 115 $13,835,000 $120,304 $1,082 3.45%
    40-60% 364 $57,800,000 $158,791 $1,084 3.13%
    60-80% 702 $138,500,000 $197,293 $1,303 3.35%
    80-100% 299 $54,135,000 $181,054 $1,435 3.57%
    Under 20% 29 $1,995,000 $68,793 $627 4.85%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    NATIONAL ASSET MORTGAGE, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    NATIONAL ASSET MORTGAGE, LLC Conventional home mortgage Trouble during payment process 1 33.3%
    NATIONAL ASSET MORTGAGE, LLC Other type of mortgage Incorrect information on your report 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    National Exchange Bank and Trust 100 Lafayette Street Rosendale, WI 54974 Full Service B&M $19,467
    National Exchange Bank and Trust 102 South Woodward Street Brandon, WI 53919 Full Service B&M $12,859
    National Exchange Bank and Trust 103 North High Street Randolph, WI 53956 Full Service B&M $39,118
    National Exchange Bank and Trust 105 East Main Street Glenbeulah, WI 53023 Full Service B&M $12,532
    National Exchange Bank and Trust 1125 E. Johnson Street Fond Du Lac, WI 54935 Full Service B&M $7,286
    National Exchange Bank and Trust 113 Lake Street Pardeeville, WI 53954 Full Service B&M $38,291
    National Exchange Bank and Trust 114 North Fond Du Lac Avenue Campbellsport, WI 53010 Full Service B&M $89,068
    National Exchange Bank and Trust 120 North South Street Kingston, WI 53939 Full Service B&M $18,988
    National Exchange Bank and Trust 1265 East Chestnut Street Chilton, WI 53014 Full Service B&M $25,550
    National Exchange Bank and Trust 130 South Main Street Fond Du Lac, WI 54935 Full Service B&M $507,725
    National Exchange Bank and Trust 1320 West Paradise Drive West Bend, WI 53095 Full Service B&M $60,784
    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 $19,942
    National Exchange Bank and Trust 1802 Horicon Street Mayville, WI 53050 Full Service B&M $13,910
    National Exchange Bank and Trust 191 North Main Street Sheboygan Falls, WI 53085 Full Service B&M $15,023
    National Exchange Bank and Trust 200 West Main Street Omro, WI 54963 Full Service B&M $14,634
    National Exchange Bank and Trust 209 N. Front Street Coloma, WI 54930 Full Service B&M $28,828
    National Exchange Bank and Trust 210 East Main Street Waupun, WI 53963 Full Service B&M $105,556
    National Exchange Bank and Trust 211 North Wisconsin Drive Howards Grove, WI 53081 Full Service B&M $40,606
    National Exchange Bank and Trust 24 West Street Montello, WI 53949 Full Service B&M $50,452
    National Exchange Bank and Trust 274 Osthoff Avenue Elkhart Lake, WI 53020 Full Service B&M $42,583
    National Exchange Bank and Trust 310 Madison Avenue Cascade, WI 53011 Full Service B&M $12,013
    National Exchange Bank and Trust 323 South Main Cedar Grove, WI 53013 Full Service B&M $19,793
    National Exchange Bank and Trust 326 Second Street Westfield, WI 53964 Full Service B&M $14,143
    National Exchange Bank and Trust 346 North Main Street Fond Du Lac, WI 54935 Full Service B&M $20,162
    National Exchange Bank and Trust 404 East Main Street Eden, WI 53019 Full Service B&M $35,741
    National Exchange Bank and Trust 407 Main St. Fairwater, WI 53931 Full Service B&M $10,076
    National Exchange Bank and Trust 505 Main Street Brownsville, WI 53006 Full Service B&M $57,591
    National Exchange Bank and Trust 509 Main Street Dalton, WI 53926 Full Service B&M $6,329
    National Exchange Bank and Trust 516 Fond Du Lac Street Mount Calvary, WI 53057 Full Service B&M $46,721
    National Exchange Bank and Trust 6278 Blueberry Road Allenton, WI 53002 Full Service B&M $17,878
    National Exchange Bank and Trust 676 West Johnson Street Fond Du Lac, WI 54935 Full Service B&M $126,295
    National Exchange Bank and Trust 705 West Water Street Princeton, WI 54968 Full Service B&M $14,840
    National Exchange Bank and Trust 901 Wisconsin Street Adell, WI 53001 Full Service B&M $16,615
    National Exchange Bank and Trust N10504 County Road G New Holstein, WI 53061 Full Service B&M $20,028
    National Exchange Bank and Trust W239 N1700 Busse Road Waukesha, WI 53188 Full Service B&M $172,973

    For 2020, National Exchange Bank And Trust had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $76,111
    Net interest income $71,829
    Total noninterest income $18,209
    Gross Fiduciary activities income $2,611
    Service charges on deposit accounts $1,654
    Trading account gains and fees $0
    Additional Noninterest Income $13,944
    Pre-tax net operating income $19,309
    Securities gains (or losses, -) $934
    Income before extraordinary items $14,703
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,703
    Minority interest net income $0
    Net income $14,703
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,965

    National Exchange Bank And Trust's gross interest income from loans was $76,111,000.
    National Exchange Bank And Trust's net interest income from loans was $71,829,000.
    National Exchange Bank And Trust's fee based income from loans was $1,654,000.
    National Exchange Bank And Trust's net income from loans was $14,703,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,282
    Provision for credit losses $17,400
    Total noninterest expense $53,329
    Salaries and employee benefits $28,088
    Premises and equipment expense $4,863
    Additional noninterest expense $20,378
    Applicable income taxes $5,540
    Net charge-offs $11,889
    Cash dividends $30,087

    National Exchange Bank And Trust's interest expense for loans was $4,282,000.
    National Exchange Bank And Trust's payroll and benefits expense were $28,088,000.
    National Exchange Bank And Trust's property, plant and equipment expenses $4,863,000.

    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 $1,972,488
    Deposits held in domestic offices $1,972,488
    Deposits by Individuals, partnerships, and corporations $1,800,078
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $172,409
    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 $545,031
    Demand deposits $545,031
    Nontransaction accounts $1,427,457
    Money market deposit accounts (MMDAs) $883,307
    Other savings deposits (excluding MMDAs) $369,547
    Total time deposits $174,604
    Total time and savings deposits $1,427,457
    Noninterest-bearing deposits $440,124
    Interest-bearing deposits $1,532,364
    Retail deposits $1,954,751
    IRAs and Keogh plan accounts $46,925
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,480,601
    Cash & Balances due from depository institutions $547,191
    Interest-bearing balances $517,457
    Total securities $606,385
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,237,803
    Loan and leases loss allowance $36,517
    Trading account assets $0
    Bank premises and fixed assets $10,816
    Other real estate owned $129
    Goodwill and other intangibles $5,614
    All other assets $72,663

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,480,601
    Total Liabilities $2,055,999
    Total deposits $1,972,488
    Interest-bearing deposits $1,532,364
    Deposits held in domestic offices $1,972,488
    % insured (estimated) $46
    Federal funds purchased and repurchase agreements $61,557
    Trading liabilities $0
    Other borrowed funds $4,000
    Subordinated debt $0
    All other liabilities $17,954

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,237,803
    Loan and leases loss allowance $36,517
    Total loans and leases (domestic) $1,274,320
    All real estate loans $875,263
    Real estate loans in domestic offices $875,263
    Construction and development loans $130,945
    Residential 1-4 family construction $18,527
    Other construction, all land development and other land $112,418
    Loans secured by nonfarm nonresidential properties $474,932
    Nonfarm nonresidential secured by owner-occupied properties $161,854
    Commercial real estate & other non-farm, non-residential $313,078
    Multifamily residential real estate $35,225
    1-4 family residential loans $183,235
    Farmland loans $50,926
    Loans held in foreign offices $0
    Farm loans $13,035
    Commercial and industrial loans $269,561
    To non-U.S. addressees $0
    Loans to individuals $22,654
    Credit card loans $2,326
    Related Plans $284
    Consumer Auto Loans $8,368
    Other loans to individuals $11,676
    All other loans & leases $95,351
    Loans to foreign governments and official institutions $0
    Other loans $58,254
    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 $11,576
    Non 1-4 family restructured loans & leases $9,446
    Total loans and leases (foreign) $0

    National Exchange Bank and Trust had $1,237,803,000 of loans outstanding in 2020. $875,263,000 of loans were in real estate loans. $130,945,000 of loans were in development loans. $35,225,000 of loans were in multifamily mortgage loans. $183,235,000 of loans were in 1-4 family mortgage loans. $13,035,000 of loans were in farm loans. $2,326,000 of loans were in credit card loans. $8,368,000 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 570 $98,331 $172,511
    Nonfarm, nonresidential loans - <$100k 270 $9,889 $36,626
    Nonfarm, nonresidential loans - $100-250k 159 $25,241 $158,748
    Nonfarm, nonresidential loans - $250k-1MM 141 $63,201 $448,234
    Commercial & Industrial, US addressed loans - <$1MM 1,942 $99,652 $51,314
    Commercial & Industrial, US addressed loans - <$100k 1,700 $41,331 $24,312
    Commercial & Industrial, US addressed loans - $100-250k 166 $24,879 $149,873
    Commercial & Industrial, US addressed loans - $250k-1MM 76 $33,442 $440,026
    Farmland loans - <$1MM 243 $26,101 $107,412
    Farmland loans - <$100k 146 $6,296 $43,123
    Farmland loans - $100-250k 71 $10,875 $153,169
    Farmland loans - $250k-1MM 26 $8,930 $343,462
    Agriculture operations loans - <$1MM 221 $7,767 $35,145
    Agriculture operations loans - <$100k 201 $4,384 $21,811
    Agriculture operations loans - $100-250k 18 $2,783 $154,611
    Agriculture operations loans - $250k-1MM 2 $600 $300,000