Market Intelligence

Horry County, SC

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Horry County, South Carolina, a core county of the Myrtle Beach-Conway, SC market, holds $12.0B in deposits across 21 insured institutions and 106 branches. The Conway National Bank is the largest deposit holder at 12.1% share. The top three banks hold 32% of deposits, which places the county in the Fragmented band. Deposits have grown 48.4% since 2020 while the branch count fell by 5.4%. It produces $17.6B of output, ranking #241 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$17.6B
#241 of 1,523
Population
427,551
#179 of 1,523
GDP per Capita
$41,090
#871 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$12.0B
#178 of 1,523
Deposits per Capita
$27,998
#468 of 1,523
Deposits per Branch
$113M
#434 of 1,523
Competitive structure
Insured Institutions
21
#196 of 1,523
Branches per 100k Pop.
24.8
#724 of 1,523
Median Deposits per Institution
$510M
The median deposits booked by a single institution in the county. #38 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
60.1%
of county deposits held by banks with $100M to $100B in assets. #965 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
32%
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)+48.4% over 5 years
$8.1B
2020
$9.5B
2021
$10.9B
2022
$11.0B
2023
$11.5B
2024
$12.0B
2025

Branches: 112 in 2020 to 106 in 2025. Institutions: 20 to 21. Top-three share: 36% to 32%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
The Conway National Bank$1.4B12.1%14+34%
Anderson Brothers Bank$1.2B10.3%10+140%
Truist Bank$1.1B9.5%10+8%
Wells Fargo Bank$1.1B9.1%7+43%
TD Bank$999M8.3%7+70%
Bank of America$989M8.3%5+33%
South Atlantic Bank$798M6.7%4+75%
Coastal Carolina National Bank$744M6.2%4+107%
United Bank$654M5.5%7+30%
SouthState Bank$557M4.7%6+36%
United Community Bank$510M4.3%6+39%
Pinnacle Bank$476M4.0%3+89%
First-Citizens Bank & Trust Company$431M3.6%5+63%
Synovus Bank$399M3.3%3+14%
The Citizens Bank$172M1.4%5no 2020 presence
First Palmetto Bank$165M1.4%4+27%
PNC Bank$113M0.9%1+201%
JPMorgan Chase Bank$30M0.3%1no 2020 presence
First Reliance Bank$22M0.2%1+10%
Carolina Bank & Trust Co.$12M0.1%1+50%
Woodforest National Bank$8M0.1%2+45%

The 21 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 Myrtle Beach-Conway market

Horry County is one of 2 counties that make up the Myrtle Beach-Conway, SC market, a Combined Statistical Area (ranked #133 of 293 U.S. markets by economic output). It produces 85.1% of the market’s output and holds 84.8% of its deposits.

MeasureHorry CountyShare of parent market
2024 GDP$17.6B85.1%
Deposits$12.0B84.8%
Population427,55186.6%

View the full Myrtle Beach-Conway market profile →

Recruiting in Horry 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 Horry County.

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