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2018 Market Analysis & Industry Outlook: Commercial Banking

Overview: the U.S. Commercial Banking Industry

This section provides answers to key questions about the industry:

  1. What is the total market size (industry revenue)?
  2. What is the industry outlook?
  3. Market Analysis: Is the market growing or declining, and how quickly?
  4. Are long-term forecasts positive or negative?
  5. What is the average company size in the industry?
  6. How many companies are in the industry?

Market Size & Industry Statistics

The total U.S. industry market size for Commercial Banking: Industry statistics cover all companies in the United States, both public and private, ranging in size from small businesses to market leaders. In addition to revenue, the industry market analysis shows information on employees, companies, and average firm size.

Investors, banks, and business executives use growth rates and industry trends to understand the market outlook and opportunity.

market size 2018
Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Statistics 2012        2013        2014        2015        2016        2017
Market Size
(Total Sales/Revenue)

Order at top of page
Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis

Market Forecast

Market forecasts show the long term industry outlook and future growth trends. The following five-year demand forecast projects both short-term and long-term trends.

market forecast

Forecast / Industry Outlook 2017 2018 2019 2020 2021 2022
Market Forecast ($ millions)
Projected Industry Growth Rate (%)
Source: AnythingResearch Economic Analysis

Product & Services Breakdown

Research products and services in the Commercial Banking industry generating sales. Note that products are broken into categories with different levels of classification.

Product DescriptionNumber of Companies Sales ($ millions) Percent of Total Sales

Industry Total

Loan Services - Income

Loans To Financial Businesses

Loans To Non-Financial Businesses

Loans To Governments

Residential Mortgage Loans

Home Equity Loans

Vehicle Loans, Consumer

All Other Secured Or Guaranteed Loans To Consumers

Unsecured Loans To Consumers

Credit Card Services - Income

Credit Card Services For Cardholders, Business And Government

Credit Card Services For Cardholders, Consumer

Credit Card Services For Merchants

Credit Card Association Products

Factoring Services - Fees

Leasing Services - Income

Operating Leases - Motor Vehicle

Operating Leases - Other

Finance Leases

Installment Credit Services - Income

Sales Financing, Business

Sales Financing, Consumer

Other Credit Financing Services - Income

Brokering And Dealing Services For Debt Instruments

Brokering And Dealing Services For Equities

Brokering And Dealing Services For Derivative Contracts

Brokering And Dealing Services For Investment Company Securities, Including Mutual Funds, Closed-End Funds, And Unit Investment

Financing Related To Securities

Trading Debt Instruments On Own Account - Net Gains (Losses)

Trading Other Securities And Commodity Contracts On Own Account - Net Gains (Losses)

Deposit Account Service Packages, Except Business

Separately-Priced Deposit Account Services, Except Business

Cash Handling And Management Services For Business

Document Payment Services

Foreign Currency Exchange Services - Fees

Trust Services - Fiduciary Fees

Trust Services For Businesses And Governments

Personal Trust Services

Other Trust Services

Automated Clearinghouse (Ach) Services - Fees

Financial Planning And Investment Management Services

Financial Management Consulting Services

Personal Financial Planning And Advice Services

Personal Investment Management Services

Other Products Supporting Financial Services - Fees

U.S. Geographic Distribution: Revenue Statistics by State

Market Size by State ($ millions) indicates how the industry's competition is distributed throughout the country. State-level information can identify areas with higher and lower industry market share than average.

U.S. map by state

Commercial Banking Industry Price Trends

Rise and fall in market prices are affectedd by supply, demand, and the cost of goods/services sold. Higher demand or COGS will put upward price pressure on prices. Higher competition among Commercial Banking companies will put a downward pressure on prices. The chart shows how prices are changing within the industry, month-to-month over the last three years.

example price index trendline

Income Statement (Average Financial Metrics)

Financial metrics provide a snapshot view of a benchmark "average" company. Key business metrics show revenue and operating costs. The data collected covers both public and private companies.

Industry AveragePercent of Sales
(Industry Benchmark)
Total Revenue

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Operating Revenue
Cost of Goods Sold
Gross Profit

Operating Expenses
Pension, profit sharing plans, stock, annuity
Rent paid on business property
Charitable Contributions
Domestic production activities deduction
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit
Source: AnythingResearch Analysis of U.S. federal statistics

Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Commercial Banking company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.

Profitability & Valuation RatiosIndustry Average
Company valuation can be measured based on the firm's own performance, as well as in comparison against its industry competitors. These metrics show how the average company in the Commercial Banking industry is performing.
Profit Margin
Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues.
Return on Equity (ROE)
Return on Equity (ROE) is net income as a percentage of shareholders' equity. Shareholders' Equity is defined as the company's total assets minus total liabilities. ROE shows how much profits a company generates with the money shareholders invested (or with retained earnings).
Return on Assets (ROA)
Return on Assets (ROA) is net income relative to total assets. The market research on Commercial Banking measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets.

Liquidity RatiosIndustry Average
Bankers and suppliers use liquidity to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio
Measures a firm's ability to pay its debts over the next 12 months.
Quick Ratio (Acid Test)
Calculates liquid assets relative to liabilities, excluding inventories.

Efficiency Ratios - Key Performance IndicatorsIndustry Average
Measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio
If this number is low in your business when compared to the industry average in the research report, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.
Average Collection Period
Based on the Receivables Turnover, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover
Inventory Turnover
A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.
Fixed-Asset Turnover
Generally, higher is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.

Compensation & Salary Surveys for Employees

Compensation statistics provides an accurate assessment of industry-specific jobs and national salary averages. This information can be used to identify which positions are most common, and high, low, and average annual wages.

TitlePercent of WorkforceBottom Quartile Average (Median) SalaryUpper Quartile
Management Occupations 9%

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Chief Executives0%
General and Operations Managers2%
Operations Specialties Managers 6%
Business and Financial Operations Occupations 18%
Financial Specialists 15%
Credit Counselors and Loan Officers 8%
Loan Officers 8%
Sales and Related Occupations 8%
Sales Representatives, Services 7%
Securities, Commodities, and Financial Services Sales Agents 6%
Securities, Commodities, and Financial Services Sales Agents 6%
Office and Administrative Support Occupations 60%
Supervisors of Office and Administrative Support Workers 7%
First-Line Supervisors of Office and Administrative Support Workers 7%
First-Line Supervisors of Office and Administrative Support Workers 7%
Financial Clerks 32%
Tellers 28%
Tellers 28%
Information and Record Clerks 16%
Customer Service Representatives 7%
Customer Service Representatives 7%
Source: Bureau of Labor Statistics

Commercial Banking Industry Market Share [PREMIUM]

Largest companies in the industry and related industries, with private company revenue estimates.

CompanyAddressRevenue Estimate

Innovation News

  • Metabank trademarks "META" - Downloadable mobile applications for managing bank accounts, bill payment, adding value to cards, and manage/control spending - 03/04/2018
  • Brand Banking trademarks "HOVER THE MOUSE" - Educational services - 03/03/2018
  • Western Alliance Bancorporation trademarks "WESTERN ALLIANCE BANK" - Financial services - 03/02/2018
  • Orchid Financial Bancorp raises $6 million in funding. - 02/28/2018
  • Jpmorgan Chase Bank N.a. patents System And Method For Real Time Financial Institution Business Intellgence And Customer Relationship Management - 02/22/2018
  • Congressional Bancshares raises $33 million in funding. - 02/16/2018
  • Ben Franklin Bank of Illinois raises $5 million in funding. - 02/15/2018
  • XG Technology patents Channel Access And Fairness Protocol For Contention-based-access Networks With Biased Detection - 02/08/2018
  • Lancaster Colony patents System And Method For Providing Time To Cure Negative Balances In Financial Accounts While Encouraging Rapid Curing Of Those Balances To A Positive Net Position - 01/25/2018

  • Top Innovators

    CompanyInnovation Score
    Jpmorgan Chase Bank N.a.1117
    Keybank National Association465
    XG Technology68

    Additional companies, details and innovation scoring in the full report.

    Latest Industry News

    • Bank of Baroda Is Said to Seek Unit Sale to Bolster Capital - IOB’s Decision To Set-Off Losses Is An ‘Unusual’ Accounting Move, Says Veteran Auditor Bajaj Vs Bajaj: The Tale Of Two Brothers (Bloomberg) -- Bank of Baroda, India’s third-largest state-run lender, is seeking to sell unit Nainital Bank as it ... (01/10/2018)
    • Cetera Wins Another Bank-Based Business from LPL - Short Hills, N.J.-based Investors Bank, which has 22 financial advisors and about $600 million in client assets under administration, is moving its wealth management business from INVEST Financial Corporation to Cetera Financial Institutions, Cetera’s ... (01/10/2018)
    • First American Bank merges with Kenosha bank - First American Bank, headquartered in Elk Grove Village, said Tuesday that it has merged with Southport Bank in Kenosha. "This merger will extend the tradition of community banking and personalized service that has characterized Southport and First ... (01/10/2018)
    • Tax reform will boost business travel, Bank of America says in upgrading American Airlines - Shares of American Airlines and United Continental rise after Bank of America Merrill Lynch encourages investors to buy in light of tax reform. "We view tax reform as a significant positive for corporate spending, and we believe this can drive a pickup in ... (01/10/2018)
    • An invisible banking reform that 'could fundamentally change how we manage our money' is days away - One banking executive BI spoke to suggested we could soon see the financial equivalent of Strava, the popular fitness app that tracks and shares exercise data. Beyond this, Samantha Seaton, the CEO of financial dashboard Moneyhub, told Business Insider she ... (01/10/2018)
    • Siam Commercial Bank and Prudential Thailand announce unit-linked bancassurance partnership - BANGKOK, Jan 10, 2018 - (Media OutReach) - Siam Commercial Bank Public Company Limited ("SCB"), a leading bank in Thailand, and Prudential Life Assurance (Thailand) Public Company Limited ("Prudential Thailand"), a subsidiary of UK-based Prudential plc ... (01/10/2018)
    • BDO investigating suspicious bank transactions - MANILA, Philippines — BDO Unibank, the country's largest bank, is probing cases of unauthorized purchases and withdrawals after a number of clients complained about suspicious transactions. In a statement on Tuesday night, BDO did not mention why it was ... (01/10/2018)
    • Saudi Aramco working to raise cheap loans before IPO: Banking sources - Continue Reading Below Citigroup (Citi), Standard Chartered and Sumitomo Mitsui Banking Corporation were advising on the ... encouraging trade and lowering the costs of international business. "There's momentum for Aramco to tap this form of financing. (01/10/2018)
    • David Barksdale Joins First Reliance Bank As President Of North Carolina - ... develop strong local community banking teams focused on sharing the First Reliance Bank brand to make the lives of our customers better and earn the business of customers in North Carolina. ABOUT FIRST RELIANCE BANK First Reliance Bank, founded in ... (01/10/2018)
    • Ugandan shilling steady as importer and commercial bank dollar demand slows - KAMPALA, Jan 10 (Reuters) - The Ugandan shilling was steady on Wednesday due to slowing dollar demand from commercial banks and importers. At 0830 GMT commercial banks quoted the shilling at 3,655/3,665, same level as Tuesday's close. UGX Spot Rate ... (01/10/2018)

    Government Contracts

    In 2016, the federal government spent a total of $108,118,123 on Commercial Banking. It has awarded 192 contracts to 18 companies, with an average value of $6,006,562 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount

    Growth Opportunities / Competitive Threats

    Companies in other industries may also sell similar products. Since there is an overlap in the customer base, there may be an opportunity for companies in Commercial Banking to sell additional products/services offered by these adjacent industries. Alternatively, these industries may identify further products in this industry to target. Products most at risk are those with the highest profit margins and lowest barriers to entry.

    The following industries are competing channels for sales of similar products/services.

    Loan Products - Income
    Competing IndustrySales Relative to Commercial BankingOpportunity/Threat
    Savings Institutions Competing industry
    Sales Financing Competing industry
    Credit Unions Competing industry

    Sales from other industries of Loan Products - Income are less than those from Commercial Banking. This may mean that other channels are a competitive risk of increasing their Loan Products - Income sales, taking market share from this industry.
    Loan Products - Income Product Sales Report

    Loans To Businesses - Commercial And Industrial Mortgages
    Competing IndustrySales Relative to Commercial BankingOpportunity/Threat
    Savings Institutions Competing industry
    Sales Financing Competing industry

    Sales from other industries of Loans To Businesses - Commercial And Industrial Mortgages are less than those from Commercial Banking. This may mean that other channels are a competitive risk of increasing their Loans To Businesses - Commercial And Industrial Mortgages sales, taking market share from this industry.
    Loans To Businesses - Commercial And Industrial Mortgages Product Sales Report

    Loans To Consumers - Secured, Residential Mortgages
    Loans To Consumers - Secured, Residential Mortgages Product Sales Report

    Financing Related To Securities
    Financing Related To Securities Product Sales Report

    Loans To Consumers - Secured, Home Equity
    Loans To Consumers - Secured, Home Equity Product Sales Report

    Brokering And Dealing Products - Debt Instruments
    Brokering And Dealing Products - Debt Instruments Product Sales Report

    Credit Card Products - Income
    Credit Card Products - Income Product Sales Report

    Credit Card Cardholder Products - Consumer
    Credit Card Cardholder Products - Consumer Product Sales Report

    Financial Planning And Investment Management Products
    Financial Planning And Investment Management Products Product Sales Report

    Deposit Account Service Packages
    Deposit Account Service Packages Product Sales Report

    Segments classified within this market research report

    This industry market research report includes companies whose primary business is any of the following:
    National commercial banks, Commercial banks, State commercial banks, Depository trust companies, Banks, commercial, Branches of foreign banks, Commercial banking, etc.

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