County banking markets / SC / 45019
CharlestonSouth Carolina
FIPS 45019. 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 (556) and unconcentrated on deposits (964).
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
110 branch offices and 13 institutions in 1994; 131 and 33 in 2025. Deposits booked in the county went from $2.59B to $18.14B, 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 | Wells Fargo Bank, National Association cert 3511 | $3.63B | 20.00% | 16 | 12.21% |
| 2 | Bank of America, National Association cert 3510 | $2.69B | 14.81% | 10 | 7.63% |
| 3 | SouthState Bank, National Association cert 33555 | $2.30B | 12.69% | 13 | 9.92% |
| 4 | Truist Bank cert 9846 | $1.18B | 6.51% | 8 | 6.11% |
| 5 | Pinnacle Bank cert 35583 | $1.09B | 6.01% | 7 | 5.34% |
| 6 | First-Citizens Bank & Trust Company cert 11063 | $830.1M | 4.58% | 9 | 6.87% |
| 7 | Synovus Bank cert 873 | $685.3M | 3.78% | 5 | 3.82% |
| 8 | First Capital Bank cert 34966 | $656.5M | 3.62% | 2 | 1.53% |
| 9 | Southern First Bank cert 35295 | $627.5M | 3.46% | 2 | 1.53% |
| 10 | Beacon Community Bank cert 59106 | $624.4M | 3.44% | 5 | 3.82% |
| 11 | Fifth Third Bank, National Association cert 6672 | $446.7M | 2.46% | 2 | 1.53% |
| 12 | The Bank of South Carolina cert 26912 | $406.5M | 2.24% | 4 | 3.05% |
| 13 | TD Bank, National Association cert 18409 | $388.0M | 2.14% | 6 | 4.58% |
| 14 | ServisFirst Bank cert 57993 | $325.3M | 1.79% | 1 | 0.76% |
| 15 | JPMorgan Chase Bank, National Association cert 628 | $293.5M | 1.62% | 6 | 4.58% |
| 16 | United Bank cert 22858 | $291.1M | 1.60% | 4 | 3.05% |
| 17 | United Community Bank cert 16889 | $271.5M | 1.50% | 3 | 2.29% |
| 18 | Regions Bank cert 12368 | $244.9M | 1.35% | 2 | 1.53% |
| 19 | South Atlantic Bank cert 58689 | $220.3M | 1.21% | 2 | 1.53% |
| 20 | First Reliance Bank cert 35214 | $178.7M | 0.98% | 2 | 1.53% |
| 21 | PNC Bank, National Association cert 6384 | $131.9M | 0.73% | 2 | 1.53% |
| 22 | First Horizon Bank cert 4977 | $131.3M | 0.72% | 1 | 0.76% |
| 23 | Ameris Bank cert 20504 | $129.4M | 0.71% | 3 | 2.29% |
| 24 | First National Bank of Pennsylvania cert 7888 | $96.0M | 0.53% | 3 | 2.29% |
| 25 | Bank of the Lowcountry cert 27496 | $59.0M | 0.33% | 3 | 2.29% |
| 26 | The Huntington National Bank cert 6560 | $48.6M | 0.27% | 1 | 0.76% |
| 27 | ENCORE BANK cert 34562 | $40.8M | 0.23% | 1 | 0.76% |
| 28 | Enterprise Bank of South Carolina cert 11539 | $36.7M | 0.20% | 1 | 0.76% |
| 29 | First Bank cert 15019 | $35.7M | 0.20% | 1 | 0.76% |
| 30 | First Palmetto Bank cert 28396 | $25.1M | 0.14% | 1 | 0.76% |
| 31 | Dogwood State Bank cert 57095 | $20.9M | 0.12% | 1 | 0.76% |
| 32 | Woodforest National Bank cert 23220 | $6.2M | 0.03% | 3 | 2.29% |
| 33 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.76% |
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.