Waumandee State Bank vs National Exchange Bank And Trust
Comparing a Bank in Waumandee, WI with a Bank in Fond Du Lac, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Waumandee State Bank ↗ Bank · Waumandee, WI · Est. 1914 | 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 | Waumandee, WI | Fond Du Lac, WI |
| Total assets | $350.6M | $2.9B |
| Capital ratio | 10.9% | 18.9% |
| Return on assets | 1.1% | 1.7% |
| Deposits | $303.5M | $2.3B |
| Branches | 8 | 34 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 154 | #3 of 154 |
| Established | 1914 | 1933 |
Waumandee State Bank
- Assets: $350.6M
- Deposits: $303.5M
- Capital ratio: 10.9%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #5 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. Waumandee 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, Waumandee 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 — Waumandee 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 Waumandee State Bank safe?
Yes — Waumandee 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 Waumandee State Bank vs National Exchange Bank And Trust?
Waumandee State Bank has a capital ratio of 10.9%, placing it in the top 39% 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 Waumandee State Bank have compared to National Exchange Bank And Trust?
The CFPB database shows 0 complaints against Waumandee 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 Waumandee 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.
