Fond du Lac County, Wisconsin, a core county of the Fond du Lac, WI market, holds $2.9B in deposits across 11 insured institutions and 29 branches. National Exchange Bank and Trust is the largest deposit holder at 48.1% share. The top three institutions hold 64.1% of deposits, which places the county in the concentrated band. Deposits have grown 24.9% since 2020 while the branch count fell by 5. It produces $5.1B of output, ranking #589 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 34 in 2020 to 29 in 2025. Institutions: 10 to 11. Top-three share: 59.9% to 64.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| National Exchange Bank and Trust | $1.4B | 48.1% | +41% |
| Horicon Bank | $241M | 8.2% | +22% |
| U.S. Bank National Association | $227M | 7.8% | +13% |
| BMO Bank National Association | $214M | 7.3% | +8% |
| Fox Valley Savings Bank | $196M | 6.7% | +7% |
| JPMorgan Chase Bank, National Association | $166M | 5.7% | +64% |
| Bank First, N.A. | $142M | 4.9% | no 2020 presence |
| Associated Bank, National Association | $135M | 4.6% | +35% |
| Bristol Morgan Bank | $132M | 4.5% | +27% |
| Wells Fargo Bank, National Association | $49M | 1.7% | -11% |
The 10 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Fond du Lac market
Fond du Lac County is the only county in the Fond du Lac, WI market, a Metropolitan Statistical Area (ranked #269 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Fond du Lac County | Share of Fond du Lac market |
|---|---|---|
| 2024 GDP | $5.1B | 100.0% |
| Deposits | $2.9B | 100.0% |
| Population | 104,669 | 100.0% |
See the Fond du Lac market in Market Intelligence →
Recruiting in Fond du Lac 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 Fond du Lac County, on a retained basis.
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