County banking markets / WI / 55101
RacineWisconsin
FIPS 55101. 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 (1,039) and moderately concentrated on deposits (2,028).
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
60 branch offices and 20 institutions in 1994; 38 and 13 in 2025. Deposits booked in the county went from $1.88B to $4.67B, 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 | Johnson Bank cert 20296 | $1.89B | 40.49% | 6 | 15.79% |
| 2 | BMO Bank National Association cert 16571 | $470.8M | 10.07% | 6 | 15.79% |
| 3 | Community State Bank cert 9536 | $431.8M | 9.24% | 4 | 10.53% |
| 4 | Town Bank, National Association cert 34717 | $351.0M | 7.51% | 3 | 7.89% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $276.8M | 5.92% | 2 | 5.26% |
| 6 | Associated Bank, National Association cert 5296 | $260.7M | 5.58% | 3 | 7.89% |
| 7 | Tri City National Bank cert 18922 | $252.9M | 5.41% | 4 | 10.53% |
| 8 | North Shore Bank cert 28679 | $202.4M | 4.33% | 4 | 10.53% |
| 9 | The Greenwood's State Bank cert 11623 | $171.4M | 3.67% | 1 | 2.63% |
| 10 | U.S. Bank National Association cert 6548 | $131.7M | 2.82% | 1 | 2.63% |
| 11 | Wells Fargo Bank, National Association cert 3511 | $118.2M | 2.53% | 2 | 5.26% |
| 12 | The Huntington National Bank cert 6560 | $74.6M | 1.60% | 1 | 2.63% |
| 13 | The Equitable Bank, S.S.B. cert 28614 | $39.2M | 0.84% | 1 | 2.63% |
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.