Winnebago County, Wisconsin, a core county of the Appleton-Oshkosh-Neenah, WI market, holds $2.5B in deposits across 16 insured institutions and 29 branches. Nicolet National Bank is the largest deposit holder at 20.1% share. The top three banks hold 50% of deposits, which places the county in the Moderate band. Deposits have fallen 0.8% since 2021 while the branch count fell by 3.3%. It produced $11.1B of real gross domestic product in 2024, 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: 30 in 2021 to 29 in 2026. Institutions: 15 to 16. Top-three share: 53% to 50%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Nicolet National Bank | $513M | 20.1% | +9% |
| Associated Bank | $512M | 20.1% | -22% |
| West Pointe Bank | $260M | 10.2% | +15% |
| JPMorgan Chase Bank | $230M | 9.1% | +2% |
| U.S. Bank | $228M | 8.9% | 0% |
| BMO Bank | $193M | 7.6% | +1% |
| Old National Bank | $142M | 5.6% | +11% |
| Bank First | $118M | 4.6% | -17% |
| Fortifi Bank | $99M | 3.9% | +28% |
| Horicon Bank | $69M | 2.7% | +29% |
| Wells Fargo Bank | $59M | 2.3% | 0% |
| Fox Valley Savings Bank | $38M | 1.5% | -12% |
| Premier Community Bank | $32M | 1.3% | +56% |
| North Shore Bank | $26M | 1.0% | -16% |
| National Exchange Bank and Trust | $21M | 0.8% | +24% |
| Bristol Morgan Bank | $7M | 0.3% | no 2021 presence |
The 16 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 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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