County banking markets / SC / 45079
RichlandSouth Carolina
FIPS 45079. 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 (713) and moderately concentrated on deposits (2,480).
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
106 branch offices and 14 institutions in 1994; 78 and 23 in 2025. Deposits booked in the county went from $3.36B to $19.00B, 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 | Bank of America, National Association cert 3510 | $8.57B | 45.11% | 8 | 10.26% |
| 2 | Truist Bank cert 9846 | $2.81B | 14.78% | 7 | 8.97% |
| 3 | First-Citizens Bank & Trust Company cert 11063 | $1.74B | 9.15% | 11 | 14.10% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $1.55B | 8.15% | 8 | 10.26% |
| 5 | Synovus Bank cert 873 | $1.23B | 6.46% | 5 | 6.41% |
| 6 | TD Bank, National Association cert 18409 | $640.3M | 3.37% | 5 | 6.41% |
| 7 | OPTUS Bank cert 35241 | $628.9M | 3.31% | 2 | 2.56% |
| 8 | SouthState Bank, National Association cert 33555 | $477.9M | 2.52% | 3 | 3.85% |
| 9 | First Community Bank cert 34047 | $297.4M | 1.57% | 4 | 5.13% |
| 10 | Ameris Bank cert 20504 | $222.0M | 1.17% | 1 | 1.28% |
| 11 | First Reliance Bank cert 35214 | $132.0M | 0.69% | 1 | 1.28% |
| 12 | First Palmetto Bank cert 28396 | $117.0M | 0.62% | 3 | 3.85% |
| 13 | First Horizon Bank cert 4977 | $103.4M | 0.54% | 2 | 2.56% |
| 14 | Regions Bank cert 12368 | $98.7M | 0.52% | 1 | 1.28% |
| 15 | Coastal Carolina National Bank cert 58864 | $77.1M | 0.41% | 1 | 1.28% |
| 16 | Security Federal Bank cert 31100 | $74.3M | 0.39% | 3 | 3.85% |
| 17 | JPMorgan Chase Bank, National Association cert 628 | $54.7M | 0.29% | 3 | 3.85% |
| 18 | PNC Bank, National Association cert 6384 | $50.5M | 0.27% | 1 | 1.28% |
| 19 | Arthur State Bank cert 15085 | $40.2M | 0.21% | 3 | 3.85% |
| 20 | First Bank cert 15019 | $31.0M | 0.16% | 1 | 1.28% |
| 21 | United Community Bank cert 16889 | $27.3M | 0.14% | 1 | 1.28% |
| 22 | First Carolina Bank cert 35530 | $22.9M | 0.12% | 1 | 1.28% |
| 23 | Woodforest National Bank cert 23220 | $9.3M | 0.05% | 3 | 3.85% |
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.