County banking markets / WI / 55097
PortageWisconsin
FIPS 55097. 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 (888) and unconcentrated on deposits (1,066).
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
22 branch offices and 12 institutions in 1994; 23 and 15 in 2025. Deposits booked in the county went from $687.2M to $1.57B, 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 | Associated Bank, National Association cert 5296 | $270.7M | 17.28% | 4 | 17.39% |
| 2 | BMO Bank National Association cert 16571 | $269.3M | 17.18% | 3 | 13.04% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $191.0M | 12.19% | 1 | 4.35% |
| 4 | The Pineries Bank cert 9526 | $127.7M | 8.15% | 1 | 4.35% |
| 5 | U.S. Bank National Association cert 6548 | $117.4M | 7.49% | 2 | 8.70% |
| 6 | The Portage County Bank cert 10012 | $116.1M | 7.41% | 2 | 8.70% |
| 7 | Old National Bank cert 3832 | $113.4M | 7.24% | 1 | 4.35% |
| 8 | The International Bank of Amherst cert 14907 | $86.7M | 5.53% | 1 | 4.35% |
| 9 | Nicolet National Bank cert 57038 | $75.7M | 4.83% | 1 | 4.35% |
| 10 | Community First Bank cert 12512 | $73.5M | 4.69% | 2 | 8.70% |
| 11 | Prevail Bank cert 29294 | $48.1M | 3.07% | 1 | 4.35% |
| 12 | WOODTRUST BANK cert 5335 | $37.6M | 2.40% | 1 | 4.35% |
| 13 | First State Bank cert 15271 | $18.3M | 1.17% | 1 | 4.35% |
| 14 | Peoples State Bank cert 18569 | $14.7M | 0.94% | 1 | 4.35% |
| 15 | Paper City Savings Bank, S.A. cert 29676 | $6.9M | 0.44% | 1 | 4.35% |
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.