Question 1

What is National Exchange Bank & Trust?

Accepted Answer

National Exchange Bank & Trust, commonly known as NEBAT, is a family-owned community bank serving southeastern Wisconsin. With approximately $2.9 billion in assets and 34 offices, NEBAT provides comprehensive personal and business banking services throughout eleven Wisconsin counties. The bank is the largest depositor-owned community bank headquartered in Ohio, though it primarily operates in Wisconsin.

NEBAT emphasizes building long-lasting relationships with customers and employees. The bank operates as a privately owned institution under NEB Corporation, a multi-bank holding company, allowing it to maintain independence and focus on community banking principles.

Question 2

When was National Exchange Bank & Trust founded?

Accepted Answer

National Exchange Bank & Trust was founded on December 20, 1933, in downtown Fond du Lac, Wisconsin. The bank opened during the Great Depression, establishing itself as a pillar of stability during one of the most challenging periods in American banking history.

The bank has operated continuously from its founding, growing from a single location in Fond du Lac to a regional presence across southeastern Wisconsin. NEBAT has expanded through both organic growth and strategic acquisitions, including the 2020 acquisition and conversion of NBW Bank, which added offices in Waupun, Rosendale, Brandon, and Fairwater to the NEBAT network.

Question 3

Where is National Exchange Bank & Trust headquartered?

Accepted Answer

National Exchange Bank & Trust is headquartered at 130 South Main Street in Fond du Lac, Wisconsin. Fond du Lac is located on the southern shore of Lake Winnebago in east-central Wisconsin.

The bank has maintained its headquarters in Fond du Lac since its founding in 1933, demonstrating a commitment to its original community for over 90 years. This stability has helped NEBAT build deep roots in the Fond du Lac area while expanding throughout the region.

Question 4

Where does National Exchange Bank & Trust operate?

Accepted Answer

NEBAT operates 34 full-service branch locations across southeastern Wisconsin. The bank's geographical footprint covers eleven counties: Calumet, Columbia, Dodge, Fond du Lac, Green Lake, Marquette, Sheboygan, Washington, Waukesha, Waushara, and Winnebago.

Major communities served include Fond du Lac, Sheboygan, Beaver Dam, West Bend, Waupun, Ripon, Oshkosh, and numerous smaller towns throughout the region. The bank also operates three mortgage lending offices to serve customers seeking home financing across its market area.

Question 5

What services does National Exchange Bank & Trust offer?

Accepted Answer

NEBAT offers comprehensive personal banking services including checking and savings accounts, money market accounts, certificates of deposit with competitive rates, individual retirement accounts, mortgages including Adjustable-Rate Mortgages (ARMs), home equity loans, and consumer lending products. The bank provides convenient digital services through online banking platforms and mobile banking apps.

Business banking services include business checking and savings accounts, commercial loans, commercial real estate financing, term loans, lines of credit, and cash management solutions. NEBAT also offers merchant services for business payment processing.

The bank provides trust and investment services through its wealth management division, offering financial consultation, estate planning, retirement planning, college savings programs, and investment management. Additional services include safe deposit boxes, direct deposit, payroll services, debit and credit cards, and overdraft protection.

NEBAT emphasizes financial literacy, conducting regular home buying classes and financial education programs to help customers make informed decisions about mortgages, credit, and money management.

Question 6

What makes National Exchange Bank & Trust unique?

Accepted Answer

NEBAT distinguishes itself through genuine community focus and stability spanning nine decades. The bank survived the Great Depression, the savings and loan crisis of the 1980s, the 2008 financial crisis, and other economic challenges while maintaining its independence and community banking model. This resilience reflects conservative banking principles and long-term strategic thinking.

The bank's commitment to relationship banking is evident in its emphasis on knowing customers personally and providing tailored solutions rather than generic products. NEBAT's leadership team works diligently to ensure smooth integration during acquisitions, maintaining local staff and community connections while adding resources and capabilities.

As a family-owned institution, NEBAT operates without pressure from public shareholders, allowing management to prioritize customer service and community development over short-term profit maximization. The bank actively supports more than 160 community organizations and encourages employee volunteerism.

NEBAT's approach of combining small-town personal service with the resources of a well-capitalized regional institution creates a distinctive value proposition. Customers gain access to sophisticated banking products and digital services while working with bankers who understand local markets and can make decisions locally.

Question 7

What type of financial institution is National Exchange Bank & Trust?

Accepted Answer

National Exchange Bank & Trust is a state-chartered commercial bank. While the bank offers comprehensive retail banking services, it maintains significant commercial banking operations serving business clients throughout its market area.

As a community bank, NEBAT provides a full range of depository and lending services to both consumer and commercial customers. The bank's business model balances retail deposit gathering, consumer lending, commercial lending, and wealth management services. This diversified approach has contributed to the bank's stability and consistent profitability over its 90-year history.

The "Trust" designation in the bank's name reflects its ability to provide fiduciary services including trust administration, estate settlement, investment management, and related wealth management services—capabilities that distinguish NEBAT from many community banks of similar size.

National Exchange Bank & Trust (NEBAT)

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About National Exchange Bank & Trust (NEBAT) in the United States