Graph and download economic data for Deposits, All Commercial Banks (DPSACBW027SBOG) from 1973-01-03 to 2025-11-19 about deposits, banks, depository institutions, and USA.

The number of FDIC-insured commercial banks in the United States decreased steadily from 2000 to 2024. At the end of 2024, there were 3,928 FDIC-insured commercial banks in the country, down from 4,036 a year earlier. The FDIC, Federal Deposit Insurance Corporation, is an agency that insures the banking system in the U.S. Despite the dropping number of banks, the number of employees in the banking industry increased in the last two decades. Why do banks need insurance? The number of banks is shrinking, but the value of deposits in these banks is growing, amounting to trillions of U.S. dollars. The primary function of the FDIC is to insure these deposits up to 250,000 U.S. dollars. Under stable economic conditions, this task can be performed without particular difficulties. However, during economic uncertainties and recessions, it can be challenging. During the Global Financial Crisis, hundreds of FDIC-insured banks declared insolvency. Account holders were then eligible for compensation for the portion of their accounts that the FDIC insured. Financial figures of the FDIC-insured banks Except in times of deep recession, U.S. banks have a positive net operating income. It amounted to over 324 billion U.S. dollars in 2024. The value of funds borrowed by the U.S. FDIC-insured banks reached 1.4 trillion U.S. dollars that year.

The H.8 release provides an estimated weekly aggregate balance sheet for all commercial banks in the United States. The release also includes separate balance sheet aggregations for several bank groups: domestically chartered commercial banks; large domestically chartered commercial banks; small domestically chartered commercial banks; and foreign-related institutions in the United States. Foreign-related institutions include U.S. branches and agencies of foreign banks as well as Edge Act and agreement corporations. Published weekly, the release is typically available to the public by 4:15 p.m. each Friday. If Friday is a federal holiday, then the data are released on Thursday.The H.8 release is primarily based on data that are reported weekly by a sample of approximately 875 domestically chartered banks and foreign-related institutions. As of December 2009, U.S. branches and agencies of foreign banks accounted for about 60 of the weekly reporters and domestically chartered banks made up the rest of the sample. Data for domestically chartered commercial banks and foreign-related institutions that do not report weekly are estimated at a weekly frequency based on quarterly Call Report data.

In 2024, JPMorgan Chase was the commercial bank with the highest revenue in the United States, with a total revenue of over 177 billion U.S. dollars. Bank of America and Wells Fargo followed, with 101.9 and 82.3 billion U.S. dollars, respectively. These three banks were also the largest banks in terms of total assets in the United States that year. Commercial banking A commercial bank is a bank that offers financial services to private customers and companies, such as accepting deposits, checking services or loans. Commercial banks earn money through interest rates on the loans that they offer. Such rates are significantly higher than the interest rates paid to the bank customers for depositing their assets in a bank. This difference in rates is called net interest income, which is one of the leading indicators of bank performance. Commercial vs investment banks Some banks specialize only in commercial or investment banking, while some banks combine both divisions in their operations. Investment banks specialize in managing assets of their clients, underwriting securities or supervising merger and acquisition transactions.

Graph and download economic data for Commercial Banks in the U.S. (DISCONTINUED) (USNUM) from Q1 1984 to Q3 2020 about commercial, banks, depository institutions, and USA.

View weekly updates and historical trends for US Commercial Banks Total Assets. from United States. Source: Federal Reserve. Track economic data with YCha…

Despite recent volatility, the net income of FDIC-insured commercial banks in the United States showed an overall upward trend between 2000 and 2024. In 2024, net income rose to approximately 259.4 billion U.S. dollars, up from 248 billion in the previous year.

Graph and download economic data for Total Assets, All Commercial Banks (TLAACBW027SBOG) from 1973-01-03 to 2025-11-19 about assets, banks, depository institutions, and USA.

The number of FDIC-insured commercial bank branches increased in 2023 for the first time since 2012. At the end of the year, there were 69,997 branches in the country, up from 69,905 a year earlier. In 2024, the downward trend observed prior to 2023 continued, with bank branches dropping to 68,632. After a period of growth from 2000 to 2008, the number of bank branches has been slowly diminishing. In 2024, JPMorgan Chase led the ranking of banks with the highest number of branches. What does the FDIC do? The FDIC (Federal Deposit Insurance Corporation) is an agency created by the United States Congress that guarantees the deposits in commercial banks up to 250,000 U.S. dollars. This protects depositors if the bank becomes insolvent. It also enables banks to issue more loans, since depositors may prefer banks that are insured by the FDIC. Trends in the banking industry While the number of branches has stayed relatively stable, the number of FDIC-insured commercial banks has declined in recent years. At the same time, online banking adoption has surged and is expected to grow even further. Some of the country's leading digital banks now serve over 10,000 users.

United States Commercial Banks: sa: Total Assets data was reported at 16,792.847 USD bn in Oct 2018. This records an increase from the previous number of 16,730.351 USD bn for Sep 2018. United States Commercial Banks: sa: Total Assets data is updated monthly, averaging 4,153.097 USD bn from Jan 1973 (Median) to Oct 2018, with 550 observations. The data reached an all-time high of 16,811.753 USD bn in Jun 2018 and a record low of 702.319 USD bn in Jan 1973. United States Commercial Banks: sa: Total Assets data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s United States – Table US.KB031: Balance Sheet: Commercial Banks: Monthly.

The FR 2644 is a balance sheet report that is collected as of each Wednesday from an authorized stratified sample of 875 domestically chartered commercial banks and U.S. branches and agencies of foreign banks. The FR 2644 is the only source of high-frequency data used in the analysis of current banking developments. The FR 2644 collects sample data that are used to estimate universe levels for the entire commercial banking sector in conjunction with data from the quarterly commercial bank Consolidated Reports of Condition and Income (FFIEC 031, FFIEC 041, and FFIEC 051; OMB No. 7100-0036) and the Report of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks (FFIEC 002; OMB No. 7100-0032) (Call Reports). Data from the FR 2644 and the Call Reports are utilized in construction of weekly estimates of U.S. bank credit, balance sheet data for the U.S. commercial banking sector, and sources and uses of banks' funds, and to analyze current banking developments, including the monitoring of broad credit and funding conditions. The Board publishes the data in aggregate form in the weekly H.8 statistical release, Assets and Liabilities of Commercial Banks in the United States, which is followed closely by other government agencies, the banking industry, financial press, and other users. The H.8 release provides a balance sheet for the commercial banking industry as a whole as well as disaggregated data for three bank groups: large domestically chartered banks, small domestically chartered banks, and U.S. branches and agencies of foreign banks.

United States - Deposits, All Commercial Banks was 18121.04570 Bil. of U.S. $ in April of 2025, according to the United States Federal Reserve. Historically, United States - Deposits, All Commercial Banks reached a record high of 18225.70390 in March of 2022 and a record low of 596.88870 in January of 1973. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Deposits, All Commercial Banks - last updated from the United States Federal Reserve on November of 2025.

United States - Total Assets, All Commercial Banks was 24434.65240 Bil. of U.S. $ in November of 2025, according to the United States Federal Reserve. Historically, United States - Total Assets, All Commercial Banks reached a record high of 24593.00380 in June of 2025 and a record low of 699.56240 in January of 1973. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Total Assets, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

The outstanding value of the credit by all commercial banks in the United States has increased for several months in a row between ************* and September ****. In 2025, the value of bank securities, loans, and leases is much higher than several years ago. The last time in which the value of credit went through periods of decline was between 2008 and 2010, as well as a brief period between March to *************.

Commercial Banks generate most of their revenue through loans to customers and businesses. Loans are set at interest rates that are influenced by different factors, including the federal funds rate (FFR), the prime rate, debtors' creditworthiness and overall macroeconomic performance. The industry experienced growth due to a strong economy and elevated interest rates, which drove up interest income on loans, boosting profitability. However, loan volumes were limited as borrowing costs climbed for individuals. Elevated interest rates have negatively impacted the residential housing market and as a result, limited residential real estate loans. The value of residential construction and housing starts slumped over the past five years. In addition, the house price index increased, which raised home prices, requiring individuals to take out larger real estate loans to purchase homes. Commercial banks experienced greater interest income on these loans, contributing to revenue growth. Interest rates were slashed in 2024 and 2025 and are anticipated to be cut again, which will reduce borrowing costs, drive up loan volume demand, but hinder interest income on loans. Overall, industry revenue has grown at a CAGR of 9.4% to $1,571.4 billion over the past years, including an expected increase of 2.1% in 2025 alone. In addition, industry profit has climbed significantly during the same period and will comprise 54.6% of revenue in the same year. During the outlook period, industry revenue is forecast to expand at a CAGR of 1.1% to $1,661.6 billion over the five years to 2030. Further interest rate cuts would lower interest income for the industry, hampering profit. In a lower interest rate environment, commercial banks would likely encounter rising loan demand but experience reduced investment income from fixed-income securities. In addition, the acquisition of financial technology start-ups to compete will increase as the industry continues to evolve.

United States FDIC Commercial Banks: Return on Equity data was reported at 11.147 % in Dec 2024. This records an increase from the previous number of 11.044 % for Sep 2024. United States FDIC Commercial Banks: Return on Equity data is updated quarterly, averaging 10.377 % from Dec 2001 (Median) to Dec 2024, with 93 observations. The data reached an all-time high of 15.530 % in Dec 2003 and a record low of -10.150 % in Dec 2008. United States FDIC Commercial Banks: Return on Equity data remains active status in CEIC and is reported by Federal Deposit Insurance Corporation. The data is categorized under Global Database’s United States – Table US.KB: Performance and Condition Ratios.

United States Commercial Banks: PC: sa: Credit: Securities: Treasury & Agency data was reported at 3.100 % in Jun 2018. This records an increase from the previous number of -2.600 % for Mar 2018. United States Commercial Banks: PC: sa: Credit: Securities: Treasury & Agency data is updated quarterly, averaging 3.600 % from Jun 1947 (Median) to Jun 2018, with 285 observations. The data reached an all-time high of 144.100 % in Mar 1958 and a record low of -27.300 % in Jun 1985. United States Commercial Banks: PC: sa: Credit: Securities: Treasury & Agency data remains active status in CEIC and is reported by Federal Reserve Board. The data is categorized under Global Database’s USA – Table US.KB007: Balance Sheet: Commercial Banks: Percentage Change. Growth rates are based on the data adjusted for structural and accounting rule changes. Ratio method has been used to fine-tune the data which greatly exaggerates the levels in the earlier years. Ratio method is not applicable on January 1958 data of total assets and liabilities resulting to a huge growth on First Quarter of 1958.

Graph and download economic data for Commercial Banks in the U.S. with average assets under $1B (DISCONTINUED) (US1NUM) from Q1 1984 to Q3 2020 about commercial, assets, banks, depository institutions, and USA.

View weekly updates and historical trends for US Commercial Banks Deposits. from United States. Source: Federal Reserve. Track economic data with YCharts …

The US Commercial Banking Market Report is Segmented by Product (Commercial Lending, Treasury Management, Syndicated Loans, Capital Markets, and Other Products), by Client Size (Large Enterprises, and Small & Medium Enterprises (SME)), by Channel (Online Banking and Offline Banking), and by End-User Industry Vertical (IT & Telecommunication, Manufacturing, and More). The Market Forecasts are Provided in Terms of Value (USD).