La Crosse County, Wisconsin, a core county of the La Crosse-Onalaska-Sparta, WI-MN market, holds $3.7B in deposits across 17 insured institutions and 37 branches. U.S. Bank is the largest deposit holder at 19.4% share. The top three banks hold 44% of deposits, which places the county in the Fragmented band. Deposits have fallen 2.1% since 2021 while the branch count fell by 2.6%. It produced $7.6B of real gross domestic product in 2024, ranking #435 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 38 in 2021 to 37 in 2026. Institutions: 15 to 17. Top-three share: 46% to 44%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| U.S. Bank | $716M | 19.4% | +5% |
| Associated Bank | $468M | 12.7% | -37% |
| Citizens State Bank of La Crosse | $423M | 11.5% | +57% |
| River Bank | $407M | 11.0% | +25% |
| State Bank Financial | $357M | 9.7% | +16% |
| Coulee Bank | $268M | 7.3% | -16% |
| The First National Bank of Bangor | $226M | 6.1% | +22% |
| Wells Fargo Bank | $207M | 5.6% | -29% |
| Merchants Bank | $148M | 4.0% | -24% |
| BMO Bank | $120M | 3.2% | -6% |
| Old National Bank | $99M | 2.7% | -36% |
| Union State Bank | $97M | 2.6% | +8% |
| Park Bank | $59M | 1.6% | +16% |
| CCFBank | $43M | 1.2% | no 2021 presence |
| Bluff View Bank | $24M | 0.7% | -1% |
| WNB Financial | $20M | 0.6% | +1,044% |
| Citizens First Bank | $10M | 0.3% | no 2021 presence |
The 17 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the La Crosse-Onalaska-Sparta market
La Crosse County is one of 4 counties that make up the La Crosse-Onalaska-Sparta, WI-MN market, a Combined Statistical Area (ranked #178 of 293 U.S. markets by economic output). It produces 64.8% of the market’s output and holds 62.6% of its deposits.
| Measure | La Crosse County | Share of parent market |
|---|---|---|
| 2024 GDP | $7.6B | 64.8% |
| Deposits | $3.7B | 62.6% |
| Population | 121,339 | 55.7% |
View the full La Crosse-Onalaska-Sparta market profile →
Recruiting in La Crosse County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 La Crosse County.
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