Market Intelligence

Florence County, SC

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market IntelligenceFlorence, SC › Florence County

Florence County, South Carolina, a core county of the Florence, SC market, holds $3.5B in deposits across 14 insured institutions and 38 branches. Wells Fargo Bank, National Association is the largest deposit holder at 18.1% share. The top three banks hold 44% of deposits, which places the county in the Fragmented band. Deposits have grown 22.7% since 2020 while the branch count fell by 7.3%. It produces $7.9B of output, ranking #428 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$7.9B
#428 of 1,523
Population
138,504
#484 of 1,523
GDP per Capita
$56,721
#425 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$3.5B
#443 of 1,523
Deposits per Capita
$25,075
#601 of 1,523
Deposits per Branch
$91M
#722 of 1,523
Competitive structure
Insured Institutions
14
#404 of 1,523
Branches per 100k Pop.
27.4
#585 of 1,523
Median Deposits per Institution
$230M
The median deposits booked by a single institution in the county. #261 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
58.7%
of county deposits held by banks with $100M to $100B in assets. #987 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
44%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2020 to 2025)+22.7% over 5 years
$2.8B
2020
$3.2B
2021
$3.3B
2022
$3.2B
2023
$3.4B
2024
$3.5B
2025

Branches: 41 in 2020 to 38 in 2025. Institutions: 14 to 14. Top-three share: 51% to 44%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$630M18.1%4-3%
SouthState Bank$477M13.7%4+22%
First-Citizens Bank & Trust Company$413M11.9%4+44%
First Reliance Bank$390M11.2%2+29%
The Citizens Bank$383M11.0%7+41%
First Bank$321M9.3%1+286%
Truist Bank$245M7.0%2-39%
Carolina Bank & Trust Co.$215M6.2%4+92%
Anderson Brothers Bank$136M3.9%4+49%
TD Bank$102M2.9%1+8%
Synovus Bank$96M2.8%1-4%
PNC Bank$46M1.3%1+25%
Dedicated Community Bank$18M0.5%1+78%
Woodforest National Bank$1M<0.1%2+582%

The 14 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Florence market

Florence County is one of 2 counties that make up the Florence, SC market, a Metropolitan Statistical Area (ranked #189 of 293 U.S. markets by economic output). It produces 74.8% of the market’s output and holds 81.1% of its deposits.

MeasureFlorence CountyShare of parent market
2024 GDP$7.9B74.8%
Deposits$3.5B81.1%
Population138,50468.8%

View the full Florence market profile →

Recruiting in Florence County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Florence County.

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