Wausau-Stevens Point-Wisconsin Rapids, WI, a Combined Statistical Area, holds $9.6 billion in deposits across 27 insured institutions and 90 branches, and ranks #144 of 293 U.S. markets by economic output. BMO Bank is the largest deposit holder at 21.0% share. The top three banks hold 44% of deposits, which places the market in the Fragmented band. Deposits have grown 5.9% since 2021 while the branch count fell by 14.3%.
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: 105 in 2021 to 90 in 2026. Institutions: 29 to 27. Top-three share: 45% to 44%. Average deposits per branch: $107M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| BMO Bank | $2.0B | 21.0% | -11% |
| Associated Bank | $1.4B | 14.3% | +25% |
| Peoples State Bank | $813M | 8.4% | +21% |
| IncredibleBank | $646M | 6.7% | +7% |
| Woodtrust Bank | $590M | 6.1% | +22% |
| U.S. Bank | $505M | 5.2% | +5% |
| Nicolet National Bank | $442M | 4.6% | +5% |
| Forward Bank | $418M | 4.3% | +39% |
| AbbyBank | $369M | 3.8% | -5% |
| Prevail Bank | $347M | 3.6% | -4% |
| Partners Bank of Wisconsin | $224M | 2.3% | +15% |
| One Community Bank | $212M | 2.2% | +8% |
| Nekoosa Port Edwards State Bank | $205M | 2.1% | +16% |
| JPMorgan Chase Bank | $187M | 1.9% | -1% |
| Paper City Savings Bank, S.A. | $170M | 1.8% | -7% |
| Marathon Bank | $163M | 1.7% | +7% |
| First State Bank | $157M | 1.6% | -7% |
| Old National Bank | $140M | 1.5% | +33% |
| The Pineries Bank | $131M | 1.4% | +12% |
| The Portage County Bank | $130M | 1.4% | +11% |
| KeySavings Bank | $93M | 1.0% | +41% |
| The International Bank of Amherst | $89M | 0.9% | +12% |
| Community First Bank | $85M | 0.9% | -12% |
| Bank of Sun Prairie | $52M | 0.5% | +78% |
| Citizens State Bank of Loyal | $44M | 0.5% | +2% |
| State Bank Financial | $19M | 0.2% | -35% |
| Citizens State Bank | $14M | 0.1% | +55% |
The 27 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 | |
|---|---|---|---|---|---|
| Marathon County | Wisconsin | $9.1B | 139,432 | 51.3% | 55.5% |
| Portage County | Wisconsin | $4.6B | 71,943 | 25.7% | 17.0% |
| Wood County | Wisconsin | $4.1B | 74,060 | 23.1% | 27.5% |
Recruiting in the Wausau-Stevens Point-Wisconsin Rapids 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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