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National Exchange Bank & Trust has been a pillar of stability in the Fond du Lac community since it first opened its doors on Dec. 20, 1933, at 104 S. Main St. Due to expansion and development, the corporate offices of National Exchange Bank are now centered around 130 S. Main St. and known as National Exchange Bank & Trust. The Trust Department opened in 1975 to better serve the expanded financial needs of the area.

Today, National Exchange Bank & Trust has built an extensive office network, beginning with the addition of the Mount Calvary office in 1989. Other offices were soon added making National Exchange Bank & Trust a large presence in Southeastern Wisconsin.

The following summarizes how we have continued to evolve.


Mt. Calvary becomes the first branch of National Exchange Bank & Trust after the Mount Calvary State Bank was purchased.


A Campbellsport office was built on Sheboygan Street in Campbellsport.


State Bank of Cascade was purchased to become the newest National Exchange Bank & Trust office.

Formerly M&I banks, Glenbeulah and Marytown joined National Exchange Bank & Trust.


A West Bend office was built on Paradise Drive in West Bend. At the same time, National Exchange Bank & Trust acquired four offices in Sheboygan County: Adell State Bank (Adell and Cedar Grove) and The Bank of Elkhart Lake (Elkhart Lake and Sheboygan Falls).


National Exchange Bank & Trust added a second location in Fond du Lac on North Main Street.


The former Bank One building in Eden was purchased and occupied by National Exchange Bank & Trust.

In addition to our physical banking locations, National Exchange Bank & Trust opened a “virtual office” in 1998, continuing its tradition as an industry leader with the introduction of Exchange OnLine, an electronic banking product.


Four more Bank One offices were acquired. Cambria, Pardeeville and Randolph all became a part of the National Exchange Bank & Trust team. Campbellsport added a second office with the acquisition.


While plans to combine both Campbellsport offices into one location on Fond du Lac Street. were finalized, so were plans to add a second office to the West Bend area on Washington Street. A former Bank One building on West Washington Street gave customers another option in West Bend.


The continuing growth of National Exchange Bank & Trust demanded a unified look throughout all of our communities, so in 2002, National Exchange Bank & Trust underwent a face lift with a complete logo change.

Historical National Exchange Bank logo Current National Exchange Bank Logo


Four Amcore banks were acquired in Kingston, Dalton, Montello and Westfield.


Montello’s aging facility (the former Montello State Bank) was demolished in early 2005, and banking services were moved to a newly constructed facility adjacent to the former location.

In Fond du Lac, additional operational space was needed, so the bank purchased a building adjacent to the 130 S. Main St. building at 153 S. Macy St.

Beaver Dam and Howards Grove became new members of the National Exchange Bank & Trust team in April of 2005. These offices were formerly the State Bank of Howards Grove.

In October of 2005, National Exchange Bank & Trust purchased the former M&I Marshall & Ilsley Bank offices in Allenton, Coloma, Hancock and Montello. Banking services in Montello were combined into the existing National Exchange Bank & Trust Office.


More operational space was added with a lease at 10 W. Forest Ave. in Fond du Lac.


National Exchange Bank & Trust entered new territory in the industry with its first venture into a grocery store facility in October 2007. A partnership with a newly constructed Festival Foods on the east side of Fond du Lac gave the bank 600 square feet in the front of the store to serve its existing and future customers in this growth area of the city. The facility operates seven days each week.


American Bank, also owned by NEB Corp Holding Company, merged with National Exchange Bank & Trust. Six offices located in Brownsville, Fond du Lac, Mayville, Omro, Princeton and Waukesha were rebranded under the National Exchange Bank & Trust name.

To accommodate expanded operations in Fond du Lac, the office at 1 W. 2nd St. was purchased.


Operational services were reorganized into the existing Fond du Lac locations allowing for the release of the leased space on Forest Ave. After much consideration, our offices in Hancock and Cambria and one office in West Bend were closed as the bank continually evaluated ways to efficiently serve the financial needs of its customers.


Banking offices in Chilton and Elkhart Lake were purchased from Wisconsin Bank & Trust, expanding the bank's geographic footprint into Calumet County and increasing its market share in Elkhart Lake. The existing NEBAT Elkhart Lake facility relocated to the newly purchased office on Osthoff Avenue, consolidating operations and adding drive-up banking services for the Elkhart Lake NEBAT Customers.


NBW Bank, which was purchased by the holding company NEB Corp. in October 2019, was converted to National Exchange Bank & Trust in January, nicely filling a geographical void in the office network with offices in Waupun, Rosendale, Brandon and Fairwater.


National Exchange Bank & Trust expands its market share in the Marquette County area with the purchase of the Westfield Office of Fortifi Bank. At that time, operations in Westfield were consolidated to the existing NEBAT office at 326 East Second Street which was renovated to accommodate the change. The former Fortifi office was closed. Offices in Cascade, Fairwater and Glenbeulah closed after a sustainability analysis revealed capabilities to increase efficiencies while maintaining connections with customers through our relationship-based business model and robust eBanking tools.


National Exchange Bank & Trust purchases a bank building in Brandon and moves operations from a leased building on Woodward Street to 600 Clark Street.

A major parking lot and drive-up facility construction project is completed at the 130 S. Main Street office in Downtown Fond du Lac, featuring new eBankers, also known as Interactive Teller Machines (ITMs).  This investment in banking technology continues to propel NEBAT into the future to offer customers more convenience and new ways to bank. The traditional drive-up facility, which was originally built in 1975, is replaced with additional employee parking. 

Exceptional Customer Support Since the Beginning

Since its inception in 1933, National Exchange Bank & Trust has been at the side of consumers to help them prosper and has assisted small and large businesses to reach their goals to help mold a solid community. Always a friend of education and the numerous organizations throughout the community, the bank has been most generous in its support.

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