Oostburg State Bank vs National Exchange Bank And Trust
Comparing a Bank in Oostburg, WI with a Bank in Fond Du Lac, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Oostburg State Bank ↗ Bank · Oostburg, WI · Est. 1908 | National Exchange Bank And Trust ↗ Bank · Fond Du Lac, WI · Est. 1933 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Oostburg, WI | Fond Du Lac, WI |
| Total assets | $429.9M | $2.9B |
| Capital ratio | 10.5% | 18.9% |
| Return on assets | 1.2% | 1.7% |
| Deposits | $380.8M | $2.3B |
| Branches | 4 | 34 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 154 | #3 of 154 |
| Established | 1908 | 1933 |
Oostburg State Bank
- Assets: $429.9M
- Deposits: $380.8M
- Capital ratio: 10.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #4 of 154
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
Are both institutions federally insured?
Yes. Oostburg State Bank is FDIC-insured and National Exchange Bank And Trust 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, Oostburg State Bank or National Exchange Bank And Trust?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Oostburg State Bank 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 Oostburg State Bank safe?
Yes — Oostburg State Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Oostburg State Bank vs National Exchange Bank And Trust?
Oostburg State Bank has a capital ratio of 10.5%, placing it in the top 44% of $100M–1B peers. National Exchange Bank And Trust's ratio is 18.9%, placing it in the top 2% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Oostburg State Bank have compared to National Exchange Bank And Trust?
The CFPB database shows 0 complaints against Oostburg State Bank, and 0 complaints against National Exchange Bank And Trust. 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 Oostburg State Bank 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.
