Ozaukee County, Wisconsin, a county in the Milwaukee-Racine-Waukesha, WI market, holds $3.3B in deposits across 15 insured institutions and 32 branches. The Port Washington State Bank is the largest deposit holder at 26.2% share. The top three institutions hold 60.4% of deposits, which places the county in the concentrated band. Deposits have grown 7.8% since 2020 while the branch count fell by 5. It produces $5.5B of output, ranking #556 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 37 in 2020 to 32 in 2025. Institutions: 15 to 15. Top-three share: 57.5% to 60.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Port Washington State Bank | $853M | 26.2% | +34% |
| BMO Bank National Association | $760M | 23.3% | +4% |
| U.S. Bank National Association | $354M | 10.9% | -4% |
| Associated Bank, National Association | $353M | 10.8% | +17% |
| JPMorgan Chase Bank, National Association | $171M | 5.2% | +1% |
| Bank Five Nine | $163M | 5.0% | +90% |
| Bank First, N.A. | $156M | 4.8% | +20% |
| Wells Fargo Bank, National Association | $147M | 4.5% | -23% |
| North Shore Bank | $88M | 2.7% | 0% |
| Horicon Bank | $88M | 2.7% | no 2020 presence |
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 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 Milwaukee-Racine-Waukesha market
Ozaukee County is one of 8 counties that make up the Milwaukee-Racine-Waukesha, WI market, a Combined Statistical Area (ranked #37 of 293 U.S. markets by economic output). It produces 4.3% of the market’s output and holds 3.7% of its deposits.
| Measure | Ozaukee County | Share of Milwaukee-Racine-Waukesha market |
|---|---|---|
| 2024 GDP | $5.5B | 4.3% |
| Deposits | $3.3B | 3.7% |
| Population | 94,346 | 4.6% |
View the full Milwaukee-Racine-Waukesha market profile →
Recruiting in Ozaukee 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 Ozaukee County, on a retained basis.
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