Fond du Lac, WI, a Metropolitan Statistical Area, holds $2.9 billion in deposits across 11 insured institutions and 29 branches, and ranks #269 of 293 U.S. markets by economic output. National Exchange Bank and Trust is the largest deposit holder at 45.8% share. The top three banks hold 62% of deposits, which places the market in the Concentrated band. Deposits have grown 14.5% since 2021 while the branch count fell by 14.7%.
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: 34 in 2021 to 29 in 2026. Institutions: 10 to 11. Top-three share: 64% to 62%. Average deposits per branch: $100M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| National Exchange Bank and Trust | $1.3B | 45.8% | +14% |
| Horicon Bank | $245M | 8.5% | +9% |
| U.S. Bank | $237M | 8.2% | +4% |
| BMO Bank | $203M | 7.0% | +1% |
| Fox Valley Savings Bank | $194M | 6.7% | no 2021 presence |
| JPMorgan Chase Bank | $162M | 5.6% | -2% |
| Bank First | $155M | 5.4% | -31% |
| Associated Bank | $150M | 5.2% | +35% |
| Bristol Morgan Bank | $150M | 5.2% | +20% |
| Wells Fargo Bank | $50M | 1.7% | -18% |
| Fortifi Bank | $22M | 0.7% | +27% |
The 11 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 | |
|---|---|---|---|---|---|
| Fond du Lac County | Wisconsin | $5.1B | 104,669 | 100.0% | 100.0% |
Recruiting in the Fond du Lac market
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 this one.
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