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INDUSTRIES
&
MARKETSCommercialbanksintheUnitedStatesCHAPTER
01OverviewTotalassetsofU.S.-charteredcommercialbanksfrom1990to2023(inbillionU.S.dollars)TotalassetsofU.S.-charteredcommercialbanks1990-202325,00020,00015,00010,0005,00001990
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2023Year3Description:ThetotalassetsofU.S.-charteredcommercialbanksgrewsignificantlybetween1990and2023.Intheobservedperiod,onlybetween2009and2010didthetotalassetsofcommercialbanksdecrease.Asof2023,thetotalassetsofU.S.-charteredcommercialbanksamountedtoapproximately19.88trillionU.S.dollars.ReadmoreNote(s):UnitedStates;1990to2023Source(s):St.LouisFedNumberofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023NumberofFDIC-insuredcommercialbanksintheU.S.2000-20239,0008,0007,0006,0005,0004,0003,0002,0001,00002000
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20234Description:ThenumberofFDIC-insuredcommercialbanksintheUnitedStatesincreasedforthefirsttimeduringtheobservedperiodin2023.Attheendof2023,therewere4,470FDIC-insuredcommercialbanksinthecountry,upfrom4,136ayearearlier.TheFDIC,FederalDepositInsuranceCorporation,isanagencythatinsuresthebankingsystemintheU.S.Between2000and2023,thenumberofFDIC-insuredcommercialbanksdecreasedsharply.Despitethedroppingnumberofbanks,thenumber[...]
ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICNumberofFDIC-insuredcommercialbankbranchesintheUnitedStatesfrom2000to2023NumberofFDIC-insuredcommercialbankbranchesintheU.S.2000-202390,00080,00070,00060,00050,00040,00030,00020,00010,00002000
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20235Description:ThenumberofFDIC-insuredcommercialbankbranchesincreasedin2023forthefirsttimesince2012.Attheendoftheyear,therewere69,996branchesinthecountry,upfrom69,905ayearearlier.ꢀAfteraperiodofgrowthfrom2000to2008,thenumberofbankbrancheshasbeenslowlydiminishing.In2023,JPMorganChaseledtherankingofbankswiththehighestnumberofbranches.WhatdoestheFDICdo?TheFDIC(FederalDepositInsuranceCorporation)isanagencycreatedbythe[...]
ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICNumberofFDIC-insuredcommercialbankofficesintheUnitedStatesfrom2000to2023NumberofFDIC-insuredcommercialbankofficesintheU.S.2000-2023100,00090,00080,00070,00060,00050,00040,00030,00020,00010,00002000
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20236Description:ThenumberofFDIC-insuredcommercialbankofficesintheUnitedStatesincreasedsteadilyfrom2000to2008.Aftertheglobalfinancialcrisis,however,adecreasingtendencybegan.Until2022,thenumberofbankofficesdecreasedyear-on-year.In2023,however,thenumberofbankofficesincreasedslightly,reaching74,466.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICNumberofnewFDIC-insuredcommercialbankchartersintheUnitedStatesfrom2000to2023NumberofnewFDIC-insuredcommercialbankchartersintheU.S.2000-202320018817817518016014012010080167125120110909060402413142099775500101002000
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20237Description:ThenumberofnewFDIC-insuredcommercialbankchartersintheUnitedStatesdecreasedsignificantlyfrom2000to2023,despiteanincreasingtrendinrecentyears.In2023,therewereninenewFDIC-insuredcommercialbankchartersintheUnitedStates,downfromn14ayearearlier.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICNumberofcommercialbankbranchesintheUnitedStatesfrom2005to2021(per100,000adults)NumberofcommercialbankbranchesintheU.S.2005-20214035.9135.4235.1635.1534.7734.933.9433.64353025201510533.2832.732.4232.131.2130.8830.4629.5128.260200520062007200820092010201120122013201420152016201720182019202020218Description:ThenumberofcommercialbankbranchesintheUnitedStatesdecreasedto28.26branchesper100,000adultssincethepreviousyear.Thismarksthelowestnumberofcommercialbankbranchesduringtheobservedperiod.
ReadmoreNote(s):UnitedStates;2005to2021Source(s):WorldBankNumberofemployeesofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inmillions)NumberofemployeesofFDIC-insuredcommercialbanksintheU.S.2000-20232.52.01.51.00.50.02000
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20239Description:In2023,thenumberofpeopleworkingatFDIC-insuredcommercialbanksintheUnitedStatesdecreasedcomparedtothelastyear.Thenumberofemployeesin2022exceededtwomillion,whichwasanotableincreasecomparedtothepreviousyears.In2023,thenumberofemployeesdecreasedslightly,standingatroughly1.97million.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICCHAPTER
02LargestbanksMarketshareofleadingbanksintheUnitedStatesasofDecember2023,bytotalassetsMarketshareofleadingbanksintheU.S.2023,bytotalassetsMarketshare3%
4%0%1%2%5%6%7%8%9%JPMorganChaseBankofAmericaWellsFargo8.56%6.4%4.37%4.25%CitibankU.S.BankPNCBank1.64%1.4%TruistBank1.33%1.31%1.29%GoldmanSachsWachoviaBankCapitalOne1.2%0.93%TDBankTheBankofNewYorkMellonWashingtonMutualBankCharlesSchwabBankStateStreetBank0.84%0.77%0.77%0.74%11Description:JPMorganChasewastheleadingbankintheUnitedStatesasofDecember2023,withitsmarketshareoftotalassetsamountingto8.56percent.ThismeansthatthevalueofassetsofJPMorganChasewasequivalentto8.56percentofthetotalvalueofassetsofallFDIC-insuredinstitutionsintheUnitedStates.BankofAmericaandWellsFargofollowed,with6.4and4.37percentofthetotalbankingassets,respectively.ThevalueofJPMorganChase'stotalassetsexceeded3.3trillionU.S.dollars[...]
ReadmoreNote(s):December30,2023Source(s):FDIC;LargestbanksintheUnitedStatesin2023,bytotalassets(inbillionU.S.dollars)LargestbanksintheU.S.2023,byassetsAssetsinbillionU.S.dollars1,500
2,00005001,0002,5003,0003,5004,000JPMorganChaseBankofAmericaWellsFargoBankCitibank3,395.132,540.121,733.241,684.71U.S.BankTruistBankPNCBankGoldmanSachsCapitalOne650.66527.53557.46521.1475.63367.18TDBankBankofNewYorkMellon332.53293.24StateStreetBMOHarrisBankCitizensBank265.66221.75213.77FifthThirdBank12Description:The“bigfourbanks”intheUnitedStatesareJPMorganChase,BankofAmerica,WellsFargo,andCitibank.ThesebanksarenotonlythelargestintheUnitedStates,butalsorankamongthetopbanksworldwidebymarketcapitalization,withJPMorganChasebeingthemostvaluablebankintheworld.ReadmoreNote(s):UnitedStates;AsofDecember31,2023Source(s):FederalReserveLargestcommercialbanksintheUnitedStatesin2022,byrevenue(inbillionU.S.dollars)LeadingcommercialbanksintheU.S.2022,byrevenueRevenueinbillionU.S.dollars600204080100120140J.P.MorganChaseBankofAmericaCorp.WellsFargo128.794.9578.79Citigroup75.3MorganStanleyTDBank53.6749.03GoldmanSachsGroupCapitalOne47.3734.25U.S.Bancorp24.3TruistBank23.1813Description:In2022,J.P.MorganChasewasthecommercialbankwiththehighestrevenueintheUnitedStates,withatotalrevenueof128.7billionU.S.dollars.BankofAmericaandWellsFargofollowed,with94.95and78.79billionU.S.dollars,respectively.ThesethreebankswerealsothelargestbanksintermsoftotalassetsintheUnitedStatesthatyear.ReadmoreNote(s):UnitedStates;AsofDecember31,2022Source(s):Varioussources(annualreports)LeadingcommercialcardissuersintheUnitedStatesfrom2019to2021,basedonvalueoftransactionsforbusinessactivities(inbillionU.S.dollars)BiggestcommercialcardissuersintheU.S.2019-2021,basedonpurchasevolume20192020202120018016014012010080182.5177.5167.8155.9149.9146.3100.493.387.581.7
8180.879.774.768.565.26555.46049.633.340200JPMorganChase
BankofAmericaWellsFargoU.S.BankCapitalOneCitibankComdataPNC14Description:TheleadingissuerofcommercialcardsintheUnitedStatesin2021,bypurchasevolume,wasJPMorganChase.Ayearearlier,JPMorganChaselostthispositionwhenitspurchasevolumedecreasedtoaround146billionU.S.dollarsin2020,whileBankofAmericaspurchasevalueincreasedthatyear,uptoaround168billionU.S.dollars.ReadmoreNote(s):UnitedStates;May2022;figuresincludecommercialcredit,debit,andprepaidcards;Corporatetravelandentertainment(T&E),fleetandpurchasing,smallbusinesscredit,smallbusinessdebitandprepaid(governmentbenefits,etc.)areincluded.Source(s):TheNilsonReportCHAPTER
03KeyfiguresNetincomeofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)NetincomeofFDIC-insuredcommercialbanksintheU.S.2000-2023300250200150100500-502000
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202316Description:ThenetincomeofFDIC-insuredcommercialbanksintheUnitedStatesincreasedoverallbetween2000and2023,despiteadownwardtrendinrecentyears.In2023,thenetincomeofFDIC-insuredcommercialbanksamountedtoapproximately248billionU.S.dollars,downfrom249.86billionU.S.dollarsin2022.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICValueofinterestincomeofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)InterestincomeofFDIC-insuredcommercialbanksintheU.S.2000-20231,2001,00080060040020002000
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202317Description:TheinterestincomeofFDIC-insuredcommercialbanksintheUnitedStatesincreasedsharplyin2023comparedtothepreviousyears.Asof2023,totalinterestincomeamountedtooveronetrillionU.S.dollars,upfrom704billionU.S.dollarsin2022.Theinterestincomereportedin2023wasbyfarthehighestreportedamountintheobservedperiod.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICNon-interestincomeofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)Non-interestincomeofFDIC-insuredcommercialbanksintheU.S.2000-20233503002502001501005002000
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202318/statistics/193096/total-non-interest-income-of-fdic-insured-us-commercial-banksIn2023,non-interestincomeofFDIC-insuredcommercialbanksintheUnitedStatesamountedtoroughly295billionU.S.dollars,upfrom280billionU.S.dollarsayearearlier.Non-interestincomeistheincomecomingfromothersourcesthanfees.
ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICPre-taxnetoperatingincomeofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)Pre-taxnetoperatingincomeofFDIC-insuredcommercialbanksintheU.S.2000-2023350300250200150100500-502000
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202319Description:Thepre-taxnetoperatingincomeofFDIC-insuredcommercialbanksintheUnitedStatesincreasedoverallbetween2000and2023,despitesomefluctuations.Asof2023,thepre-taxnetoperatingincomeofFDIC-insuredcommercialbanksintheUnitedStatesamountedtoapproximately315.11billionU.S.dollars,aslightdecreasecomparedtothepreviousyear.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICInterestexpenseofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)InterestexpenseofFDIC-insuredcommercialbanksintheU.S.2000-20235004504003503002502001501005002000
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202320Description:TheinterestexpenseofFDIC-insuredcommercialbanksintheUnitedStatesincreasedoverallbetween2000and2023,despitesignificantfluctuations.In2023,theinterestexpenseofFDIC-insuredcommercialbanksintheUnitedStateswitnessedanexceptionallysharpincrease,amountingtoover431billionU.S.dollars,whichwasmorethanthreetimeshigherthanin2022.Duringtheobservedperiod,thiswasbyfarthehighestvaluereported.
ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICSecuritiesgains/lossesofFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)Securitiesgains/lossesofFDIC-insuredcommercialbanksintheU.S.2000-2023158.941058.297.536.465.64.994.484.093.233.373.543.492.792.391.820.180-0.17-0.64-1.05-1.38-2.28-5-3.52-10-15-20-11.02-14.42000
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202321Description:ThelossesofFDIC-insuredcommercialbanksintheUnitedStatesfromsecuritiesamountedtoapproximately11billionU.S.dollarsin2023,whichwasthesecond-lowestlossreportedintheobservedperiod.
ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICValueofcashdividendsdeclaredbyFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2023(inbillionU.S.dollars)CashdividendsdeclaredbyFDIC-insuredcommercialbanksintheU.S.2000-20232502001501005002000
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202322Description:In2023,thevalueofcashdividendsdeclaredbyFDIC-insuredcommercialbanksintheUnitedStatesamountedtoapproximately208.82billionU.S.dollars,upfrom139.25billionU.S.dollarsin2022.Thiswasthehighestvaluereportedintheobservedperiod.ReadmoreNote(s):UnitedStates;2000to2023Source(s):FDICCHAPTER
04LoansValueofsecurities,loans,andleasesofallcommercialbanksintheUnitedStatesfromJanuary2007toMarch2024(inbillionU.S.dollars)Valueofsecurities,loans,andleasesofallcommercialbanksintheU.S.2007-202418,50016,50014,50012,50010,5008,5006,50024Description:TheoutstandingvalueofthecreditbyallcommercialbanksintheUnitedStateshasincreasedforseveralmonthsinarowbetweenDecember2023andMarch2024.In2024,thevalueofbanksecurities,loans,andleasesismuchhigherthanseveralyearsago.Thelasttimeinwhichthevalueofcreditwentthroughperiodsofdeclinewasbetween2008and2010,aswellasabriefperiodbetweenMarchtoNovember2023.
ReadmoreNote(s):UnitedStates;January2007toMarch2024Source(s):FederalReserve;St.LouisFedValueofcommercialandindustrialloansatallcommercialbanksintheUnitedStatesfromJanuary2007toDecember2023(inbillionU.S.dollars)MonthlyvalueofcommercialandindustrialloansintheU.S.2007-20233,5003,0002,5002,0001,5001,00025Description:CommercialandindustrialloansgrantedbyU.S.commercialbanksamountedtoapproximately2.8trillionU.S.dollarsasofDecember2023.ThevalueofthattypeofloanspeakedinMay2020,aftersignificantlyincreasingsinceFebruarythatsameyear.ThetotalvalueinMay2020reachedapproximately3.04trillionU.S.dollars,butdecreaseddrasticallyagainthefollowingmonths,comingbackdowntosimilarvaluesasthoseseenbeforethatdrasticpeak.
ReadmoreNote(s):UnitedStates;January2007toDecember2023;Seasonallyadjusted.Source(s):FederalReserve;St.LouisFedCommercialandindustrialloansatallcommercialbanksintheUnitedStatesfrom1995to2023(inbillionU.S.dollars)CommercialandindustrialloansatcommercialbanksintheU.S.20233,0002,5002,0001,5001,00050001995
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202326Description:In2023,thevalueofcommercialandindustrialloansatcommercialbanksintheUnitedStatesreachednearly2.8trillionU.S.dollars.In2020,commercialloansatU.S.banksrosebyapproximately362billiontoover2.7trillionU.S.dollars-whichwasoneofthelargestincreasesinthepastyears.Atthebeginningofthetimeperiodunderobservation,thetotalvalueofcommercialandindustrialloansatcommercialbanksintheU.S.amountedto691billionU.S.dollars,sotherehasbeenan[...]
ReadmoreNote(s):UnitedStates;1995to2023;Annualaverage.Source(s):FederalReserveValueofcommercialandindustrialloansgrantedbyFDIC-insuredcommercialbanksintheUnitedStatesfrom2000to2022(inbillionU.S.dollars)CommercialandindustrialloansgrantedbyFDIC-insuredcommercialbanks2000-20223,0002,5002,0001,5001,00050002000
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202227Description:ThevalueofcommercialandindustrialloansgrantedbyFDIC-insuredcommercialbanksintheUnitedStatesdecreasedslightlyin2021,butitroseagainthefollowingyear.In2022,thecommercialandindustrialloansofFDIC-insuredcommercialbanksamountedtoapproximately2.49trillionU.S.dollars.ReadmoreNote(s):UnitedStates;2000to2022Source(s):FDICValueofloansownedbycommercialbanksintheUnitedStatesasofMay2023,bycategory(inbillionU.S.dollars)ValueofloansbycommercialintheU.S.2023,bytype3,5002,9203,0002,5002,0001,5001,0005002,7592,5522,0159899000CommercialrealestateloansCommercialandindustrialloansResidentialmortgages
Allotherloansandleases
CreditcardsandotherrevolvingplansOtherconsumerloans28Description:Commercialrealestateloansownedbyc
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