Market Intelligence

Oconto County, WI

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

Oconto County, Wisconsin, a county in the Green Bay-Shawano, WI market, holds $371M in deposits across 5 insured institutions and 9 branches. Associated Bank, National Association is the largest deposit holder at 24.7% share. The top three institutions hold 66.3% of deposits, which places the county in the concentrated band. Deposits have grown 21.5% since 2020 while the branch count fell by 1. It produces $1.0B of output, ranking #1,187 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$1.0B
#1,187 of 1,523
Total Deposits
$371M
#1,290 of 1,523
Population
40,195
#1,028 of 1,523
GDP per Capita
$25,575
#1,364 of 1,523
Insured Institutions
5
#1,203 of 1,523
Deposits per Branch
$41M
#1,459 of 1,523
Deposits per Capita
$9,221
#1,437 of 1,523
Branches per 100k Pop.
22.4
#865 of 1,523
Median Institution Size
$70M
Median deposits of the institutions operating in the county. #1,200 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
77.3%
of market deposits held by banks with $100M to $50B in assets. #551 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
66.3%
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+21.5% over 5 years
$305M
2020
$347M
2021
$361M
2022
$356M
2023
$365M
2024
$371M
2025

Branches: 10 in 2020 to 9 in 2025. Institutions: 5 to 5. Top-three share: 68.7% to 66.3%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Associated Bank, National Association$92M24.7%1+8%
Flagstar Bank, National Association$84M22.7%3+59%
The Stephenson National Bank and Trust$70M18.9%1-3%
The Peshtigo National Bank$65M17.5%2+34%
Laona State Bank$60M16.2%2+28%

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 Green Bay-Shawano market

Oconto County is one of 5 counties that make up the Green Bay-Shawano, WI market, a Combined Statistical Area (ranked #118 of 293 U.S. markets by economic output). It produces 4.4% of the market’s output and holds 2.3% of its deposits.

MeasureOconto CountyShare of Green Bay-Shawano market
2024 GDP$1.0B4.4%
Deposits$371M2.3%
Population40,19510.5%

View the full Green Bay-Shawano market profile →

Recruiting in Oconto 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 Oconto County, on a retained basis.

Start a confidential conversation