Richmond County, Georgia, a core county of the Augusta-Richmond County, GA-SC market, holds $4.4B in deposits across 17 insured institutions and 35 branches. Wells Fargo Bank, National Association is the largest deposit holder at 26.3% share. The top three banks hold 56% of deposits, which places the county in the Moderate band. Deposits have grown 13.5% since 2020 while the branch count fell by 10.3%. It produces $13.2B of output, ranking #297 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: 39 in 2020 to 35 in 2025. Institutions: 13 to 17. Top-three share: 65% to 56%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Wells Fargo Bank | $1.1B | 26.3% | -5% |
| SouthState Bank | $677M | 15.5% | -7% |
| Queensborough National Bank & Trust Company | $603M | 13.8% | +127% |
| Bank of America | $600M | 13.8% | +3% |
| Truist Bank | $405M | 9.3% | 0% |
| Cadence Bank | $244M | 5.6% | +3% |
| Regions Bank | $175M | 4.0% | +31% |
| Ameris Bank | $158M | 3.6% | no 2020 presence |
| First Community Bank | $88M | 2.0% | +16% |
| Fifth Third Bank | $83M | 1.9% | 0% |
| Synovus Bank | $77M | 1.8% | +14% |
| Security Federal Bank | $50M | 1.2% | +893% |
| First-Citizens Bank & Trust Company | $30M | 0.7% | -3% |
| Southern Bank | $17M | 0.4% | -24% |
| JPMorgan Chase Bank | $5M | 0.1% | no 2020 presence |
| South Georgia Bank | $1M | <0.1% | no 2020 presence |
| Pinnacle Bank | <$1M | <0.1% | no 2020 presence |
The 17 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 Augusta-Richmond County market
Richmond County is one of 7 counties that make up the Augusta-Richmond County, GA-SC market, a Metropolitan Statistical Area (ranked #98 of 293 U.S. markets by economic output). It produces 43.8% of the market’s output and holds 34.9% of its deposits.
| Measure | Richmond County | Share of parent market |
|---|---|---|
| 2024 GDP | $13.2B | 43.8% |
| Deposits | $4.4B | 34.9% |
| Population | 206,559 | 32.2% |
View the full Augusta-Richmond County market profile →
Recruiting in Richmond County
Deposits are split among a moderate 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 Richmond County.
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