Market Intelligence

Outagamie County, WI

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

Outagamie County, Wisconsin, a core county of the Appleton-Oshkosh-Neenah, WI market, holds $4.3B in deposits across 19 insured institutions and 39 branches. BMO Bank National Association is the largest deposit holder at 15.7% share. The top three banks hold 42% of deposits, which places the county in the Fragmented band. Deposits have grown 3.6% since 2020 while the branch count fell by 11.4%. It produces $13.2B of output, ranking #296 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$13.2B
#296 of 1,523
Population
195,894
#362 of 1,523
GDP per Capita
$67,535
#226 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$4.3B
#387 of 1,523
Deposits per Capita
$21,793
#779 of 1,523
Deposits per Branch
$109M
#479 of 1,523
Competitive structure
Insured Institutions
19
#242 of 1,523
Branches per 100k Pop.
19.9
#1,015 of 1,523
Median Deposits per Institution
$196M
The median deposits booked by a single institution in the county. #345 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
66.0%
of county deposits held by banks with $100M to $100B in assets. #881 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 Banks’ Deposit Share: Fragmented
42%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2020 to 2025)+3.6% over 5 years
$4.1B
2020
$4.4B
2021
$4.6B
2022
$4.3B
2023
$4.2B
2024
$4.3B
2025

Branches: 44 in 2020 to 39 in 2025. Institutions: 21 to 19. Top-three share: 46% to 42%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
BMO Bank$672M15.7%5-18%
Associated Bank$586M13.7%4+10%
Nicolet National Bank$545M12.8%5+107%
JPMorgan Chase Bank$384M9.0%2-28%
BLC Community Bank$353M8.3%1+47%
American National Bank - Fox Cities$353M8.3%1+29%
Wolf River Community Bank$236M5.5%3+67%
East Wisconsin Savings Bank$224M5.2%4+6%
U.S. Bank$197M4.6%3-4%
Wells Fargo Bank$196M4.6%2-20%
The Bank of Kaukauna$143M3.4%1+45%
First Business Bank$106M2.5%1+32%
Bank First$80M1.9%1-13%
Old National Bank$80M1.9%1+21%
North Shore Bank$53M1.2%1+16%
AbbyBank$31M0.7%1+30%
Johnson Bank$15M0.3%1+74%
Premier Community Bank$14M0.3%1+4%
Thrivent Trust Company$2M<0.1%10%

The 19 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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 Appleton-Oshkosh-Neenah market

Outagamie County is one of 3 counties that make up the Appleton-Oshkosh-Neenah, WI market, a Combined Statistical Area (ranked #109 of 293 U.S. markets by economic output). It produces 50.7% of the market’s output and holds 57.5% of its deposits.

MeasureOutagamie CountyShare of parent market
2024 GDP$13.2B50.7%
Deposits$4.3B57.5%
Population195,89446.2%

View the full Appleton-Oshkosh-Neenah market profile →

Recruiting in Outagamie 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 Outagamie County.

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