Richland County, South Carolina, a core county of the Columbia-Sumter-Orangeburg, SC market, holds $18.9B in deposits across 23 insured institutions and 79 branches. Bank of America is the largest deposit holder at 44.6% share. The top three banks hold 69% of deposits, which places the county in the Concentrated band. Deposits have fallen 5.7% since 2021 while the branch count fell by 2.5%. It produced $29.4B of real gross domestic product in 2024, ranking #162 of the 1,523 ranked counties by economic output.
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
Branches: 81 in 2021 to 79 in 2026. Institutions: 21 to 23. Top-three share: 74% to 69%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of America | $8.5B | 44.6% | +10% |
| Truist Bank | $2.8B | 14.7% | +26% |
| First-Citizens Bank & Trust Company | $1.7B | 9.2% | +2% |
| Wells Fargo Bank | $1.6B | 8.3% | -68% |
| Pinnacle Bank | $1.2B | 6.4% | -8% |
| OPTUS Bank | $646M | 3.4% | +141% |
| SouthState Bank | $572M | 3.0% | +36% |
| TD Bank | $536M | 2.8% | +5% |
| First Community Bank | $294M | 1.6% | +34% |
| Ameris Bank | $255M | 1.3% | +95% |
| First Palmetto Bank | $135M | 0.7% | +24% |
| Coastal Carolina National Bank | $116M | 0.6% | +318% |
| First Reliance Bank | $112M | 0.6% | +106% |
| First Horizon Bank | $94M | 0.5% | -21% |
| JPMorgan Chase Bank | $92M | 0.5% | no 2021 presence |
| Security Federal Bank | $79M | 0.4% | +77% |
| Regions Bank | $76M | 0.4% | -48% |
| PNC Bank | $50M | 0.3% | +28% |
| Arthur State Bank | $38M | 0.2% | -2% |
| First Bank | $26M | 0.1% | -61% |
| United Community Bank | $24M | 0.1% | +380% |
| First Carolina Bank | $17M | 0.1% | no 2021 presence |
| Woodforest National Bank | $9M | <0.1% | -24% |
The 23 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Columbia-Sumter-Orangeburg market
Richland County is one of 9 counties that make up the Columbia-Sumter-Orangeburg, SC market, a Combined Statistical Area (ranked #65 of 293 U.S. markets by economic output). It produces 49.9% of the market’s output and holds 62.0% of its deposits.
| Measure | Richland County | Share of parent market |
|---|---|---|
| 2024 GDP | $29.4B | 49.9% |
| Deposits | $18.9B | 62.0% |
| Population | 434,956 | 39.3% |
View the full Columbia-Sumter-Orangeburg market profile →
Recruiting in Richland County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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 Richland County.
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