Winnebago County, Wisconsin, a core county of the Appleton-Oshkosh-Neenah, WI market, holds $2.5B in deposits across 15 insured institutions and 28 branches. Associated Bank, National Association is the largest deposit holder at 22.1% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 1.7% since 2020 while the branch count fell by 12.5%. It produces $11.1B of output, ranking #336 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: 32 in 2020 to 28 in 2025. Institutions: 15 to 15. Top-three share: 55% to 51%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Associated Bank | $544M | 22.1% | -9% |
| Nicolet National Bank | $442M | 17.9% | -13% |
| West Pointe Bank | $264M | 10.7% | +18% |
| JPMorgan Chase Bank | $218M | 8.8% | +7% |
| U.S. Bank | $209M | 8.5% | +2% |
| BMO Bank | $201M | 8.1% | +10% |
| Old National Bank | $143M | 5.8% | +16% |
| Bank First | $117M | 4.7% | +3% |
| Fortifi Bank | $96M | 3.9% | +39% |
| Horicon Bank | $64M | 2.6% | +34% |
| Wells Fargo Bank | $57M | 2.3% | +2% |
| Fox Valley Savings Bank | $40M | 1.6% | -3% |
| North Shore Bank | $28M | 1.1% | +3% |
| Premier Community Bank | $25M | 1.0% | +32% |
| National Exchange Bank and Trust | $22M | 0.9% | +50% |
The 15 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
Winnebago 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 42.6% of the market’s output and holds 33.2% of its deposits.
| Measure | Winnebago County | Share of parent market |
|---|---|---|
| 2024 GDP | $11.1B | 42.6% |
| Deposits | $2.5B | 33.2% |
| Population | 174,218 | 41.1% |
View the full Appleton-Oshkosh-Neenah market profile →
Recruiting in Winnebago County
Deposits are split among a moderate 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 Winnebago County.
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