County banking markets / WI / 55095
PolkWisconsin
FIPS 55095. 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 (1,243) and unconcentrated on deposits (1,441).
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
17 branch offices and 11 institutions in 1994; 13 and 10 in 2025. Deposits booked in the county went from $350.4M to $745.1M, 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 | MidWestOne Bank cert 14843 | $187.6M | 25.18% | 2 | 15.38% |
| 2 | Old National Bank cert 3832 | $133.4M | 17.91% | 1 | 7.69% |
| 3 | Frandsen Bank & Trust cert 1399 | $100.5M | 13.49% | 1 | 7.69% |
| 4 | First Resource Bank cert 58039 | $69.4M | 9.31% | 1 | 7.69% |
| 5 | Citizens State Bank of La Crosse cert 1513 | $61.4M | 8.25% | 1 | 7.69% |
| 6 | U.S. Bank National Association cert 6548 | $54.7M | 7.34% | 1 | 7.69% |
| 7 | Hiawatha National Bank cert 13058 | $52.5M | 7.05% | 1 | 7.69% |
| 8 | Sterling Bank cert 6195 | $36.9M | 4.96% | 1 | 7.69% |
| 9 | First National Community Bank cert 5357 | $25.5M | 3.42% | 1 | 7.69% |
| 10 | Pillar Bank cert 5336 | $23.1M | 3.11% | 3 | 23.08% |
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.