Appleton-Oshkosh-Neenah, WI, a Combined Statistical Area, holds $7.7 billion in deposits across 28 insured institutions and 76 branches, and ranks #109 of 293 U.S. markets by economic output. Associated Bank is the largest deposit holder at 15.1% share. The top three banks hold 43% of deposits, which places the market in the Fragmented band.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 86 in 2021 to 76 in 2026. Institutions: 30 to 28. Top-three share: 42% to 43%. Average deposits per branch: $101M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Associated Bank | $1.2B | 15.1% | -11% |
| Nicolet National Bank | $1.1B | 14.5% | +10% |
| BMO Bank | $992M | 12.9% | -7% |
| JPMorgan Chase Bank | $654M | 8.5% | -23% |
| U.S. Bank | $437M | 5.7% | -3% |
| State Bank of Chilton | $389M | 5.1% | +27% |
| BLC Community Bank | $378M | 4.9% | +52% |
| American National Bank - Fox Cities | $353M | 4.6% | +21% |
| West Pointe Bank | $260M | 3.4% | +15% |
| Wells Fargo Bank | $257M | 3.4% | -17% |
| Wolf River Community Bank | $245M | 3.2% | +47% |
| Old National Bank | $233M | 3.0% | +17% |
| East Wisconsin Savings Bank | $226M | 3.0% | -10% |
| Bank First | $205M | 2.7% | -26% |
| The Bank of Kaukauna | $153M | 2.0% | +48% |
| Fortifi Bank | $99M | 1.3% | +28% |
| Horicon Bank | $97M | 1.3% | +26% |
| First Business Bank | $95M | 1.2% | -21% |
| North Shore Bank | $79M | 1.0% | -12% |
| National Exchange Bank and Trust | $52M | 0.7% | +28% |
| Great Midwest Bank, S.S.B. | $38M | 0.5% | +8% |
| Fox Valley Savings Bank | $38M | 0.5% | -12% |
| Premier Community Bank | $32M | 0.4% | -10% |
| AbbyBank | $31M | 0.4% | +16% |
| Collins State Bank | $26M | 0.3% | +68% |
| Johnson Bank | $16M | 0.2% | +40% |
| Bristol Morgan Bank | $7M | 0.1% | no 2021 presence |
| Thrivent Trust Company | $2M | <0.1% | 0% |
The 28 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Outagamie County | Wisconsin | $13.2B | 195,894 | 50.7% | 55.9% |
| Winnebago County | Wisconsin | $11.1B | 174,218 | 42.6% | 33.2% |
| Calumet County | Wisconsin | $1.7B | 53,982 | 6.7% | 10.9% |
Recruiting in the Appleton-Oshkosh-Neenah market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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.
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