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 Oshkosh among others. We have data for 37 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    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

    1,969

    Origination Dollar Volume (All Markets)

    $309,385,000

    Employee count

    357 Show all (10) 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) 882 $126,610,000 $143,549 $1,343 3.03%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 197 $38,265,000 $194,239 $878 2.96%
    SHEBOYGAN, WI (FHA|USDA|VA) 216 $29,980,000 $138,796 $1,265 3.22%
    Outside of Metro Areas 192 $27,850,000 $145,052 $1,485 3.12%
    Beaver Dam, WI (FHA|USDA|VA) 191 $20,655,000 $108,141 $1,191 3.58%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 97 $13,715,000 $141,392 $1,304 3.18%
    APPLETON, WI (FHA|USDA|VA) 64 $10,360,000 $161,875 $1,141 2.94%
    Marquette, MI (FHA|USDA|VA) 2 $8,710,000 $4,355,000 $0 4.25%
    MADISON, WI (FHA|USDA|VA) 44 $5,770,000 $131,136 $1,360 3.47%
    TOLEDO, OH (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $0 4.75%
    Manitowoc, WI (FHA|USDA|VA) 20 $3,570,000 $178,500 $1,040 3.19%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $2,455,000 $818,333 $0 4.33%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 4 $2,350,000 $587,500 $909 3.61%
    COLUMBUS, OH (FHA|USDA|VA) 1 $2,105,000 $2,105,000 $0 3.95%
    GREEN BAY, WI (FHA|USDA|VA) 10 $1,480,000 $148,000 $1,445 3.27%
    Shawano, WI (FHA|USDA|VA) 7 $1,125,000 $160,714 $1,353 4.36%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $3,743 3.25%
    ODESSA, TX (FHA|USDA|VA) 1 $1,055,000 $1,055,000 $0 4.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,005,000 $335,000 $0 4.95%
    SALINAS, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 0.00%
    Whitewater, WI (FHA|USDA|VA) 9 $895,000 $99,444 $1,895 6.66%
    Marinette, WI-MI (FHA|USDA|VA) 6 $560,000 $93,333 $1,481 2.95%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.00%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $495,000 $495,000 $8,071 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $380,000 $190,000 $0 5.48%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,529 3.13%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.75%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $275,000 $275,000 $1,734 2.75%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.25%
    Heber, UT (FHA|USDA|VA) 1 $205,000 $205,000 $3,686 2.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $585 4.25%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,992 3.13%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $1,210 2.88%
    Crossville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $1,682 3.13%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $85,000 $85,000 $843 2.50%
    National Exchange Bank And Trust's top markets include Fond Du Lac, Milwaukee, Sheboygan, Beaver Dam, and Oshkosh among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (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.

    FOND DU LAC
    Similarity Rank: 128
    PROSPERA Credit Union
    Similarity Rank: 140
    DMB Community Bank
    Similarity Rank: 400
    Wolf River Community Bank
    Similarity Rank: 450
    The Bank of Kaukauna
    Similarity Rank: 484
    UNISON CREDIT UNION
    Similarity Rank: 504
    Dane County Credit Union
    Similarity Rank: 531
    BLC Community Bank
    Similarity Rank: 555
    Fox Valley Savings Bank
    Similarity Rank: 612
    UNITEDONE Credit Union
    Similarity Rank: 636

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,567 $273,205,000 $174,349 $1,284 3.16%
    Conventional 402 $36,180,000 $90,000 $0 0.00%

    For 2021, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 1,567 originations. Their 2nd most popular type was Conventional, with 402 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 651 $100,775,000 $154,800 $1,027 2.71%
    Cash Out Refi 538 $84,300,000 $156,691 $1,383 2.98%
    Home Purchase 470 $98,970,000 $210,574 $1,691 3.96%
    Home Improvement 167 $15,125,000 $90,569 $891 4.39%
    Other 143 $10,215,000 $71,434 $476 4.63%

    For 2021, National Exchange Bank And Trust's most frequently cited loan purpose was Refi, with 651 originations. The 2nd most popular reason was Cash Out Refi, with 538 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 615 $119,525,000 $194,350 $1,419 3.13%
    15 Year 513 $69,565,000 $135,604 $1,132 2.92%
    Other 434 $42,220,000 $97,281 $945 4.58%
    20 Year 206 $33,370,000 $161,990 $1,370 2.98%
    10 Year 101 $12,365,000 $122,426 $1,015 3.06%
    5 Year 67 $26,725,000 $398,881 $524 4.45%
    3 Year 19 $1,745,000 $91,842 $0 4.95%
    1 Year 13 $3,785,000 $291,154 $1,103 4.50%
    30+ year 1 $85,000 $85,000 $1,980 4.50%

    For 2021, National Exchange Bank And Trust's most frequently cited loan duration was 30 Year, with 615 originations. The 2nd most popular length was 15 Year, with 513 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,305 $206,265,000 $158,057
    $1k-2k 84 $14,250,000 $169,643
    $2k-3k 41 $9,745,000 $237,683
    $3k-4k 22 $5,030,000 $228,636
    $5k+ 6 $2,060,000 $343,333
    $4k-5k 4 $1,020,000 $255,000

    National Exchange Bank And Trust's average total fees were $1,419, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,305 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 602 $107,680,000 $178,870
    <2.5% 459 $62,275,000 $135,675
    3-4% 303 $67,535,000 $222,888
    4-5% 95 $29,695,000 $312,579
    7-8% 56 $2,380,000 $42,500
    5-6% 42 $3,260,000 $77,619
    Over 8% 8 $300,000 $37,500
    6-7% 2 $80,000 $40,000

    During 2021, National Exchange Bank And Trust's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 602 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 759 $45,055,000 $59,361 $1,102 3.69%
    $100k-200k 729 $103,045,000 $141,351 $1,206 2.86%
    $200k-400k 412 $109,570,000 $265,947 $1,552 2.99%
    $400k-600k 56 $26,450,000 $472,321 $1,605 3.26%
    $1MM+ 10 $23,290,000 $2,329,000 $3,743 4.12%
    $600k-1MM 3 $1,975,000 $658,333 $0 4.48%

    2021 saw National Exchange Bank And Trust place emphasis on $100,000 or less loans with 759 originations, totaling $45,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 439 $53,035,000 $120,809 $1,205 3.12%
    $100k-150k 420 $68,540,000 $163,190 $1,367 3.01%
    $75k-100k 362 $56,480,000 $156,022 $1,362 3.00%
    $50k or less 361 $31,335,000 $86,801 $1,101 3.46%
    $150k-250k 179 $38,185,000 $213,324 $1,425 2.86%
    $250k+ 63 $26,685,000 $423,571 $1,143 3.00%

    National Exchange Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 439 originations. The second most popular income band? $100k-150k, with 420 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 452 $71,520,000 $158,230 $1,256 2.98%
    Exempt% 402 $36,180,000 $90,000 $0 0.00%
    30-36% 282 $45,790,000 $162,376 $1,358 3.18%
    <20% 226 $35,410,000 $156,681 $1,200 2.80%
    36% 56 $9,740,000 $173,929 $1,499 3.06%
    38% 54 $9,470,000 $175,370 $1,329 3.07%
    37% 52 $8,960,000 $172,308 $1,128 3.07%
    41% 46 $8,460,000 $183,913 $1,120 3.17%
    39% 46 $8,420,000 $183,043 $1,237 3.32%
    42% 41 $6,975,000 $170,122 $1,268 3.04%
    40% 39 $5,525,000 $141,667 $1,341 3.24%
    43% 39 $6,635,000 $170,128 $1,484 3.04%
    44% 24 $4,290,000 $178,750 $1,320 3.74%
    46% 22 $3,490,000 $158,636 $1,547 3.43%
    50-60% 18 $2,130,000 $118,333 $1,056 3.94%
    47% 18 $2,630,000 $146,111 $1,135 2.67%
    45% 17 $2,765,000 $162,647 $1,613 2.99%
    49% 13 $2,545,000 $195,769 $992 3.18%
    48% 12 $2,370,000 $197,500 $1,649 3.19%
    >60% 6 $1,430,000 $238,333 $1,216 3.78%

    National Exchange Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 452 originations. The next most common DTI ratio? Exempt%, with 402 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,839 $273,795,000 $148,883 $1,281 3.10%
    Not applicable 69 $25,725,000 $372,826 $0 4.46%
    Not provided 45 $7,495,000 $166,556 $1,385 3.20%
    Asian 7 $855,000 $122,143 $1,316 2.78%
    American Indian 4 $690,000 $172,500 $1,161 2.59%
    Black 3 $525,000 $175,000 $1,651 4.50%
    Native Hawaiian or Islander 2 $300,000 $150,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.66%

    National Exchange Bank And Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.00%

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

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 2 $20,000 $10,000
    138.0 21 $685,000 $32,619
    188.33 1 $65,000 $65,000
    244.6 1 $25,000 $25,000
    244.84 1 $25,000 $25,000
    431.75 1 $65,000 $65,000
    50.0 37 $1,625,000 $43,919
    63.0 4 $240,000 $60,000
    755.49 1 $15,000 $15,000
    Exempt 402 $36,180,000 $90,000
    NA 1,498 $270,440,000 $180,534

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,969 $309,385,000 $157,128

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 181 $31,585,000 $174,503 $1,042 2.85%
    40-60% 436 $67,760,000 $155,413 $1,043 2.81%
    60-80% 645 $120,155,000 $186,287 $1,392 3.27%
    80-100% 273 $49,135,000 $179,982 $1,638 3.58%
    Under 20% 32 $4,570,000 $142,813 $922 3.71%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    NATIONAL ASSET MORTGAGE, LLC Conventional home mortgage Struggling to pay mortgage 2 100.0%

    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 $23,512
    National Exchange Bank and Trust 102 South Woodward Street Brandon, WI 53919 Full Service B&M $16,308
    National Exchange Bank and Trust 103 North High Street Randolph, WI 53956 Full Service B&M $42,312
    National Exchange Bank and Trust 105 East Main Street Glenbeulah, WI 53023 Full Service B&M $14,002
    National Exchange Bank and Trust 1125 E. Johnson Street Fond Du Lac, WI 54935 Full Service B&M $12,002
    National Exchange Bank and Trust 113 Lake Street Pardeeville, WI 53954 Full Service B&M $42,423
    National Exchange Bank and Trust 114 North Fond Du Lac Avenue Campbellsport, WI 53010 Full Service B&M $98,423
    National Exchange Bank and Trust 120 North South Street Kingston, WI 53939 Full Service B&M $26,683
    National Exchange Bank and Trust 1265 East Chestnut Street Chilton, WI 53014 Full Service B&M $24,108
    National Exchange Bank and Trust 130 South Main Street Fond Du Lac, WI 54935 Full Service B&M $590,057
    National Exchange Bank and Trust 1320 West Paradise Drive West Bend, WI 53095 Full Service B&M $67,860
    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 $24,859
    National Exchange Bank and Trust 1802 Horicon Street Mayville, WI 53050 Full Service B&M $13,609
    National Exchange Bank and Trust 191 North Main Street Sheboygan Falls, WI 53085 Full Service B&M $17,983
    National Exchange Bank and Trust 200 West Main Street Omro, WI 54963 Full Service B&M $16,975
    National Exchange Bank and Trust 209 N. Front Street Coloma, WI 54930 Full Service B&M $33,797
    National Exchange Bank and Trust 210 East Main Street Waupun, WI 53963 Full Service B&M $121,483
    National Exchange Bank and Trust 211 North Wisconsin Drive Howards Grove, WI 53081 Full Service B&M $46,274
    National Exchange Bank and Trust 24 West Street Montello, WI 53949 Full Service B&M $57,027
    National Exchange Bank and Trust 274 Osthoff Avenue Elkhart Lake, WI 53020 Full Service B&M $48,478
    National Exchange Bank and Trust 310 Madison Avenue Cascade, WI 53011 Full Service B&M $14,377
    National Exchange Bank and Trust 323 South Main Cedar Grove, WI 53013 Full Service B&M $23,102
    National Exchange Bank and Trust 326 Second Street Westfield, WI 53964 Full Service B&M $32,296
    National Exchange Bank and Trust 346 North Main Street Fond Du Lac, WI 54935 Full Service B&M $14,018
    National Exchange Bank and Trust 404 East Main Street Eden, WI 53019 Full Service B&M $41,360
    National Exchange Bank and Trust 407 Main St. Fairwater, WI 53931 Full Service B&M $11,393
    National Exchange Bank and Trust 505 Main Street Brownsville, WI 53006 Full Service B&M $97,811
    National Exchange Bank and Trust 509 Main Street Dalton, WI 53926 Full Service B&M $1,404
    National Exchange Bank and Trust 516 Fond Du Lac Street Mount Calvary, WI 53057 Full Service B&M $58,412
    National Exchange Bank and Trust 6278 Blueberry Road Allenton, WI 53002 Full Service B&M $21,077
    National Exchange Bank and Trust 676 West Johnson Street Fond Du Lac, WI 54935 Full Service B&M $158,749
    National Exchange Bank and Trust 705 West Water Street Princeton, WI 54968 Full Service B&M $17,388
    National Exchange Bank and Trust 901 Wisconsin Street Adell, WI 53001 Full Service B&M $19,519
    National Exchange Bank and Trust N10504 County Road G New Holstein, WI 53061 Full Service B&M $22,722
    National Exchange Bank and Trust W239 N1700 Busse Road Waukesha, WI 53188 Full Service B&M $171,424

    For 2021, National Exchange Bank And Trust had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $66,913
    Net interest income $64,678
    Total noninterest income $18,970
    Gross Fiduciary activities income $3,068
    Service charges on deposit accounts $1,604
    Trading account gains and fees $0
    Additional Noninterest Income $14,298
    Pre-tax net operating income $36,950
    Securities gains (or losses, -) $-10
    Income before extraordinary items $28,433
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,433
    Minority interest net income $0
    Net income $28,433
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,440

    National Exchange Bank And Trust's gross interest income from loans was $66,913,000.
    National Exchange Bank And Trust's net interest income from loans was $64,678,000.
    National Exchange Bank And Trust's fee based income from loans was $1,604,000.
    National Exchange Bank And Trust's net income from loans was $28,433,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,235
    Provision for credit losses $0
    Total noninterest expense $46,698
    Salaries and employee benefits $27,929
    Premises and equipment expense $5,050
    Additional noninterest expense $13,719
    Applicable income taxes $8,507
    Net charge-offs $-9,241
    Cash dividends $10,000

    National Exchange Bank And Trust's interest expense for loans was $2,235,000.
    National Exchange Bank And Trust's payroll and benefits expense were $27,929,000.
    National Exchange Bank And Trust's property, plant and equipment expenses $5,050,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $2,163,053
    Deposits held in domestic offices $2,163,053
    Deposits by Individuals, partnerships, and corporations $1,942,914
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $220,139
    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 $651,293
    Demand deposits $615,293
    Nontransaction accounts $1,511,760
    Money market deposit accounts (MMDAs) $905,815
    Other savings deposits (excluding MMDAs) $436,192
    Total time deposits $169,753
    Total time and savings deposits $1,547,760
    Noninterest-bearing deposits $525,710
    Interest-bearing deposits $1,637,343
    Retail deposits $2,143,868
    IRAs and Keogh plan accounts $44,269
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,669,145
    Cash & Balances due from depository institutions $404,411
    Interest-bearing balances $355,537
    Total securities $916,611
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,250,263
    Loan and leases loss allowance $45,758
    Trading account assets $0
    Bank premises and fixed assets $10,117
    Other real estate owned $0
    Goodwill and other intangibles $5,672
    All other assets $82,071

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,669,145
    Total Liabilities $2,238,456
    Total deposits $2,163,053
    Interest-bearing deposits $1,637,343
    Deposits held in domestic offices $2,163,053
    % insured (estimated) $47
    Federal funds purchased and repurchase agreements $55,914
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $19,489

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,250,263
    Loan and leases loss allowance $45,758
    Total loans and leases (domestic) $1,296,021
    All real estate loans $952,947
    Real estate loans in domestic offices $952,947
    Construction and development loans $196,258
    Residential 1-4 family construction $22,342
    Other construction, all land development and other land $173,916
    Loans secured by nonfarm nonresidential properties $511,657
    Nonfarm nonresidential secured by owner-occupied properties $166,648
    Commercial real estate & other non-farm, non-residential $345,009
    Multifamily residential real estate $39,495
    1-4 family residential loans $162,062
    Farmland loans $43,475
    Loans held in foreign offices $0
    Farm loans $12,159
    Commercial and industrial loans $187,363
    To non-U.S. addressees $0
    Loans to individuals $20,688
    Credit card loans $2,764
    Related Plans $237
    Consumer Auto Loans $6,584
    Other loans to individuals $11,103
    All other loans & leases $125,074
    Loans to foreign governments and official institutions $0
    Other loans $86,898
    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 $5,656
    Non 1-4 family restructured loans & leases $4,084
    Total loans and leases (foreign) $0

    National Exchange Bank and Trust had $1,250,263,000 of loans outstanding in 2021. $952,947,000 of loans were in real estate loans. $196,258,000 of loans were in development loans. $39,495,000 of loans were in multifamily mortgage loans. $162,062,000 of loans were in 1-4 family mortgage loans. $12,159,000 of loans were in farm loans. $2,764,000 of loans were in credit card loans. $6,584,000 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 591 $104,381 $176,618
    Nonfarm, nonresidential loans - <$100k 273 $10,818 $39,626
    Nonfarm, nonresidential loans - $100-250k 174 $28,852 $165,816
    Nonfarm, nonresidential loans - $250k-1MM 144 $64,711 $449,382
    Commercial & Industrial, US addressed loans - <$1MM 1,902 $92,008 $48,374
    Commercial & Industrial, US addressed loans - <$100k 1,684 $41,667 $24,743
    Commercial & Industrial, US addressed loans - $100-250k 151 $21,893 $144,987
    Commercial & Industrial, US addressed loans - $250k-1MM 67 $28,448 $424,597
    Farmland loans - <$1MM 231 $25,718 $111,333
    Farmland loans - <$100k 137 $5,733 $41,847
    Farmland loans - $100-250k 64 $9,982 $155,969
    Farmland loans - $250k-1MM 30 $10,003 $333,433
    Agriculture operations loans - <$1MM 198 $6,529 $32,975
    Agriculture operations loans - <$100k 179 $3,261 $18,218
    Agriculture operations loans - $100-250k 17 $2,687 $158,059
    Agriculture operations loans - $250k-1MM 2 $581 $290,500