County banking markets / WI / 55089
OzaukeeWisconsin
FIPS 55089. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 72 counties in Wisconsin’s 2025 survey.
Concentration, 1994–2025
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 (1,211) and moderately concentrated on deposits (1,580).
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
34 branch offices and 16 institutions in 1994; 32 and 15 in 2025. Deposits booked in the county went from $865.0M to $3.26B, nominal.
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.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | The Port Washington State Bank cert 8698 | $853.3M | 26.19% | 8 | 25.00% |
| 2 | BMO Bank National Association cert 16571 | $760.3M | 23.33% | 5 | 15.63% |
| 3 | U.S. Bank National Association cert 6548 | $353.9M | 10.86% | 3 | 9.38% |
| 4 | Associated Bank, National Association cert 5296 | $352.8M | 10.83% | 3 | 9.38% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $170.9M | 5.24% | 1 | 3.13% |
| 6 | Bank Five Nine cert 12517 | $163.4M | 5.01% | 2 | 6.25% |
| 7 | Bank First, N.A. cert 5304 | $156.5M | 4.80% | 1 | 3.13% |
| 8 | Wells Fargo Bank, National Association cert 3511 | $146.6M | 4.50% | 1 | 3.13% |
| 9 | North Shore Bank cert 28679 | $88.4M | 2.71% | 2 | 6.25% |
| 10 | Horicon Bank cert 11236 | $88.4M | 2.71% | 1 | 3.13% |
| 11 | PNC Bank, National Association cert 6384 | $53.9M | 1.65% | 1 | 3.13% |
| 12 | PyraMax Bank, FSB cert 29120 | $33.1M | 1.02% | 1 | 3.13% |
| 13 | Marathon Bank cert 29745 | $17.2M | 0.53% | 1 | 3.13% |
| 14 | Johnson Bank cert 20296 | $11.9M | 0.36% | 1 | 3.13% |
| 15 | Town Bank, National Association cert 34717 | $8.2M | 0.25% | 1 | 3.13% |
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.