Market Intelligence

Dodge County, MN

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Dodge County, Minnesota, a county in the Rochester-Austin-Winona, MN market, holds $359M in deposits across 5 insured institutions and 7 branches. Manufacturers Bank & Trust Company is the largest deposit holder at 42.3% share. The top three institutions hold 78.2% of deposits, which places the county in the concentrated band. Deposits have grown 34.9% since 2020. It produces $765M of output, ranking #1,267 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$765M
#1,267 of 1,523
Total Deposits
$359M
#1,300 of 1,523
Population
21,376
#1,282 of 1,523
GDP per Capita
$35,808
#1,040 of 1,523
Insured Institutions
5
#1,168 of 1,523
Deposits per Branch
$51M
#1,360 of 1,523
Deposits per Capita
$16,798
#1,082 of 1,523
Branches per 100k Pop.
32.7
#383 of 1,523
Median Institution Size
$62M
Median deposits of the institutions operating in the county. #1,291 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
81.6%
of market deposits held by banks with $100M to $50B in assets. #478 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: concentrated
78.2%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+34.9% over 5 years
$266M
2020
$315M
2021
$374M
2022
$346M
2023
$345M
2024
$359M
2025

Branches: 7 in 2020 to 7 in 2025. Institutions: 5 to 5. Top-three share: 81.0% to 78.2%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Manufacturers Bank & Trust Company$152M42.3%3no 2020 presence
Old National Bank$66M18.4%1+25%
Alerus Financial, National Association$62M17.4%1no 2020 presence
Heritage Bank Minnesota$53M14.8%1+59%
Luminate Bank$25M7.0%1+47%

The 5 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Rochester-Austin-Winona market

Dodge County is one of 6 counties that make up the Rochester-Austin-Winona, MN market, a Combined Statistical Area (ranked #136 of 293 U.S. markets by economic output). It produces 3.9% of the market’s output and holds 3.7% of its deposits.

MeasureDodge CountyShare of Rochester-Austin-Winona market
2024 GDP$765M3.9%
Deposits$359M3.7%
Population21,3766.6%

View the full Rochester-Austin-Winona market profile →

Recruiting in Dodge County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Dodge County, on a retained basis.

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