Richland County, South Carolina, a core county of the Columbia-Sumter-Orangeburg, SC market, holds $19.0B in deposits across 23 insured institutions and 78 branches. Bank of America, National Association is the largest deposit holder at 45.1% share. The top three institutions hold 69.0% of deposits, which places the county in the concentrated band. Deposits have grown 7.1% since 2020 while the branch count fell by 6. It produces $29.4B of output, ranking #162 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 84 in 2020 to 78 in 2025. Institutions: 20 to 23. Top-three share: 76.2% to 69.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of America, National Association | $8.6B | 45.1% | +36% |
| Truist Bank | $2.8B | 14.8% | +116% |
| First-Citizens Bank & Trust Company | $1.7B | 9.2% | +22% |
| Wells Fargo Bank, National Association | $1.5B | 8.2% | -73% |
| Synovus Bank | $1.2B | 6.5% | +24% |
| TD Bank, National Association | $640M | 3.4% | +29% |
| OPTUS Bank | $629M | 3.3% | +448% |
| SouthState Bank, National Association | $478M | 2.5% | +14% |
| First Community Bank | $297M | 1.6% | +58% |
| Ameris Bank | $222M | 1.2% | +65% |
The 10 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 63.0% of its deposits.
| Measure | Richland County | Share of Columbia-Sumter-Orangeburg market |
|---|---|---|
| 2024 GDP | $29.4B | 49.9% |
| Deposits | $19.0B | 63.0% |
| 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, on a retained basis.
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