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FinObservatory

County banking markets / WI / 55009

BrownWisconsin

FIPS 55009. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 19942025. One of 72 counties in Wisconsin’s 2025 survey.

58
Branch offices
June 30, 2025
16
Institutions
19 in 1994
1,011
Branch-count HHI
unconcentrated (2010 HMG)
3,161
Deposit HHI
see the caveat below
Read the deposit HHI here with care. Associated Bank, National Association books 51.7% of this county’s SOD deposits from 11 of 58 branch offices (19.0% of them). The Fed calls this pattern central booking. The deposit HHI here reads 3,161, the branch-count HHI 1,011. These pages lead with the branch measure, which central booking cannot move.

Concentration, 19942025

Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,011) and highly concentrated on deposits (3,161).

Branch-count HHIDeposit HHI
01,0002,0003,0004,0001,800 (Fed screen)19942000201020202025

Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology

Branches and institutions

72 branch offices and 19 institutions in 1994; 58 and 16 in 2025. Deposits booked in the county went from $2.47B to $14.29B, nominal.

Branch officesInstitutions
025507510019942000201020202025

Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology

Who holds the deposits, 2025

Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.

#InstitutionDepositsDeposit shareBranchesBranch share
1Associated Bank, National Association cert 5296$7.38B51.65%1118.97%
2Nicolet National Bank cert 57038$2.69B18.85%712.07%
3BMO Bank National Association cert 16571$1.32B9.21%813.79%
4Bank First, N.A. cert 5304$577.9M4.05%35.17%
5JPMorgan Chase Bank, National Association cert 628$486.1M3.40%46.90%
6Johnson Bank cert 20296$435.3M3.05%23.45%
7Wells Fargo Bank, National Association cert 3511$381.2M2.67%46.90%
8U.S. Bank National Association cert 6548$275.9M1.93%35.17%
9North Shore Bank cert 28679$189.6M1.33%610.34%
10Bay Bank cert 34052$149.4M1.05%23.45%
11Bank of Luxemburg cert 13264$128.1M0.90%23.45%
12GreenLeaf Bank cert 12661$126.3M0.88%23.45%
13Premier Community Bank cert 15799$66.6M0.47%11.72%
14Fortifi Bank cert 5286$47.0M0.33%11.72%
15UMB Bank, National Association cert 8273$28.7M0.20%11.72%
16Range Bank cert 5072$6.2M0.04%11.72%

Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology

Back to county banking markets, up to Wisconsin, or read the methodology for the two HHI constructions and what they cannot tell you.