National Exchange Bank And Trust vs Citizens State Bank Of Roseau
Comparing a Bank in Fond Du Lac, WI with a Bank in Roseau, MN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| National Exchange Bank And Trust ↗ Bank · Fond Du Lac, WI · Est. 1933 | Citizens State Bank Of Roseau ↗ Bank · Roseau, MN · Est. 1905 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Fond Du Lac, WI | Roseau, MN |
| Total assets | $2.9B | $286.0M |
| Capital ratio | 18.9% | 11.9% |
| Return on assets | 1.7% | 1.5% |
| Deposits | $2.3B | $250.3M |
| Branches | 34 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 154 | #4 of 224 |
| Established | 1933 | 1905 |
National Exchange Bank And Trust
- Assets: $2.9B
- Deposits: $2.3B
- Capital ratio: 18.9%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #3 of 154
Citizens State Bank Of Roseau
- Assets: $286.0M
- Deposits: $250.3M
- Capital ratio: 11.9%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #4 of 224
Are both institutions federally insured?
Yes. National Exchange Bank And Trust is FDIC-insured and Citizens State Bank Of Roseau is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, National Exchange Bank And Trust or Citizens State Bank Of Roseau?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — National Exchange Bank And Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is National Exchange Bank And Trust safe?
Yes — National Exchange Bank And Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Citizens State Bank Of Roseau safe?
Yes — Citizens State Bank Of Roseau is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of National Exchange Bank And Trust vs Citizens State Bank Of Roseau?
National Exchange Bank And Trust has a capital ratio of 18.9%, placing it in the top 2% of $1B–10B peers. Citizens State Bank Of Roseau's ratio is 11.9%, placing it in the top 28% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does National Exchange Bank And Trust have compared to Citizens State Bank Of Roseau?
The CFPB database shows 0 complaints against National Exchange Bank And Trust, and 0 complaints against Citizens State Bank Of Roseau. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare National Exchange Bank And Trust with other Banks in Wisconsin
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
