Appleton-Oshkosh-Neenah, WI holds $7.4 billion in deposits across 27 insured institutions and 77 branches, ranking #109 of 293 U.S. markets by economic output. Associated Bank is the largest deposit holder at 15.2% share. The top three institutions hold 41.5% of deposits, which places the market in the fragmented band.
Deposit trend
Branches: 88 in 2020 to 77 in 2025. Institutions: 30 to 27. Top-three share: 43.1% to 41.5%. Deposits per branch: $96M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Associated Bank | 1.1B | 15.2% | +0% |
| Nicolet National Bank | 1.0B | 13.3% | +28% |
| BMO Bank | 1.0B | 13.0% | -18% |
| JPMorgan Chase Bank | 0.7B | 9.7% | -8% |
| U.S. Bank | 0.4B | 5.5% | -1% |
| State Bank of Chilton | 0.4B | 4.9% | +26% |
| BLC Community Bank | 0.4B | 4.8% | +47% |
| American National Bank - Fox Cities | 0.4B | 4.8% | +29% |
| West Pointe Bank | 0.3B | 3.5% | +18% |
| Wells Fargo Bank | 0.3B | 3.4% | -16% |
The 10 largest of 27 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Outagamie County | Wisconsin | $13,230M | 195,894 | 50.7% |
| Winnebago County | Wisconsin | $11,107M | 174,218 | 42.6% |
| Calumet County | Wisconsin | $1,734M | 53,982 | 6.7% |
Recruiting in Appleton
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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 this one, on a retained basis.
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