County banking markets / SC / 45013
BeaufortSouth Carolina
FIPS 45013. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 46 counties in South Carolina’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 (710) and unconcentrated on deposits (1,121).
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
46 branch offices and 12 institutions in 1994; 52 and 20 in 2025. Deposits booked in the county went from $964.8M to $6.55B, 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 | Coastal States Bank cert 57756 | $1.17B | 17.91% | 5 | 9.62% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $957.4M | 14.61% | 5 | 9.62% |
| 3 | Bank of America, National Association cert 3510 | $864.5M | 13.19% | 3 | 5.77% |
| 4 | SouthState Bank, National Association cert 33555 | $856.6M | 13.07% | 6 | 11.54% |
| 5 | Truist Bank cert 9846 | $644.6M | 9.84% | 5 | 9.62% |
| 6 | TD Bank, National Association cert 18409 | $614.2M | 9.37% | 5 | 9.62% |
| 7 | First-Citizens Bank & Trust Company cert 11063 | $247.5M | 3.78% | 2 | 3.85% |
| 8 | South Atlantic Bank cert 58689 | $247.3M | 3.77% | 3 | 5.77% |
| 9 | Regions Bank cert 12368 | $214.2M | 3.27% | 3 | 5.77% |
| 10 | Palmetto State Bank cert 17563 | $155.9M | 2.38% | 3 | 5.77% |
| 11 | Ameris Bank cert 20504 | $145.7M | 2.22% | 1 | 1.92% |
| 12 | Synovus Bank cert 873 | $104.2M | 1.59% | 2 | 3.85% |
| 13 | First Federal Bank cert 31313 | $101.9M | 1.56% | 2 | 3.85% |
| 14 | Pinnacle Bank cert 35583 | $63.5M | 0.97% | 1 | 1.92% |
| 15 | PNC Bank, National Association cert 6384 | $51.2M | 0.78% | 1 | 1.92% |
| 16 | First Century Bank, National Association cert 57123 | $48.9M | 0.75% | 1 | 1.92% |
| 17 | United Community Bank cert 16889 | $41.6M | 0.64% | 1 | 1.92% |
| 18 | Fifth Third Bank, National Association cert 6672 | $17.3M | 0.26% | 1 | 1.92% |
| 19 | Woodforest National Bank cert 23220 | $2.4M | 0.04% | 1 | 1.92% |
| 20 | AMG National Trust Bank cert 57295 | $0K | 0.00% | 1 | 1.92% |
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 South Carolina, or read the methodology for the two HHI constructions and what they cannot tell you.