Market Intelligence › Columbia-Sumter-Orangeburg, SC

Columbia-Sumter-Orangeburg, SC, a Combined Statistical Area, holds $30.2 billion in deposits across 30 insured institutions and 189 branches, ranking #65 of 293 U.S. markets by economic output. Bank of America is the largest deposit holder at 31.7% share. The top three institutions hold 57.5% of deposits, which places the market in the moderate band. Deposits have grown 11.7% since 2020 while the branch count fell by 10.8%.

Economic scale

2024 Real GDP

$58.9B

#65 of 293

Population

1.11M

#61 of 293

GDP per Capita

$53,182

#150 of 293

Deposit market

Total Deposits

$30.1B

#62 of 293

Deposits per Capita

$27,173

#141 of 293

Deposits per Branch

$160M

#54 of 293

Competitive structure

Insured Institutions

#87 of 293

Branches per 100k Pop.

17.1

#239 of 293

Median Deposits per Institution

$144M

The median deposits booked by a single institution in the market. #223 of 293. 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

15.5%

of market deposits held by banks with $100M to $50B in assets. #275 of 293. 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 Deposit Share: moderate

57.5%

The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total market deposits (nominal), 2020 to 2025 +11.7% over 5 years

$27.0B

2020

$29.8B

2021

$31.7B

2022

$29.7B

2023

$31.0B

2024

$30.2B

2025

Branches: 212 in 2020 to 189 in 2025. Institutions: 27 to 30. Top-three share: 63.7% to 57.5%. Deposits per branch: $160M.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr
Bank of America	$9.6B	31.7%	13	+33%
Truist Bank	$4.4B	14.5%	22	+53%
First-Citizens Bank & Trust Company	$3.4B	11.2%	26	+28%
Wells Fargo Bank	$3.1B	10.3%	18	-56%
Synovus Bank	$2.0B	6.6%	11	+20%
SouthState Bank	$1.7B	5.5%	13	+16%
First Community Bank	$1.3B	4.3%	13	+55%
TD Bank	$1.1B	3.5%	11	+21%
OPTUS Bank	$0.6B	2.1%	2	+448%
First Palmetto Bank	$0.5B	1.7%	9	+31%
Ameris Bank	$451M	1.5%	3	+65%
Southern First Bank	$300M	1.0%	1	-13%
First Reliance Bank	$268M	0.9%	3	+168%
Security Federal Bank	$225M	0.7%	6	+80%
United Bank	$146M	0.5%	2	+15%
First Bank	$142M	0.5%	2	no 2020 presence
Farmers and Merchants Bank of South Carolina	$133M	0.4%	5	+5%
The Bank of Clarendon	$126M	0.4%	2	+52%
Coastal Carolina National Bank	$120M	0.4%	2	+362%
First Horizon Bank	$103M	0.3%	2	-7%
Regions Bank	$99M	0.3%	1	-15%
The Citizens Bank	$88M	0.3%	2	+66%
First National Bank of South Carolina	$74M	0.2%	2	+40%
JPMorgan Chase Bank	$66M	0.2%	4	no 2020 presence
United Community Bank	$53M	0.2%	2	no 2020 presence
PNC Bank	$51M	0.2%	1	+63%
Arthur State Bank	$47M	0.2%	4	+32%
First Carolina Bank	$23M	0.1%	1	no 2020 presence
Enterprise Bank of South Carolina	$18M	0.1%	1	0%
Woodforest National Bank	$18M	0.1%	5	-3%

The 30 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

County	State	GDP	Population	Share of Market GDP	Share of Market Deposits
Richland County	South Carolina	$29.4B	434,956	49.9%	63.0%
Lexington County	South Carolina	$15.2B	317,588	25.8%	21.2%
Sumter County	South Carolina	$4.8B	105,067	8.1%	3.9%
Orangeburg County	South Carolina	$3.1B	83,177	5.2%	5.0%
Kershaw County	South Carolina	$2.6B	73,166	4.5%	3.4%
Newberry County	South Carolina	$1.5B	39,561	2.6%	2.1%
Fairfield County	South Carolina	$1.1B	20,340	1.9%	0.4%
Calhoun County	South Carolina	$702M	14,188	1.2%	0.4%
Saluda County	South Carolina	$502M	19,680	0.9%	0.6%

Recruiting in the Columbia-Sumter-Orangeburg market

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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 this one.

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Deposit trend

Institutions by deposits

Counties in this market

Recruiting in the Columbia-Sumter-Orangeburg market

Other markets in South Carolina