The annual Summary of Deposits (SOD) survey data provides a number of opportunities to better understand the status of our banking system. With the holistic aggregations of the Summary Tables, the geographically sensitive Market Share Reports, and the institution-centric Branch Office Deposits, you will be able to see a clear view of where the deposits are and how they changed over time. The Summary of Deposits (SOD) application will be discontinued by the end of 2024. A new and improved SOD application is being developed and is available for preview now. Explore the latest beta version of the application https://banks.data.fdic.gov/bankfind-suite/SOD. The Deposit Market Share is the percentage of deposits an FDIC-insured institution has within a defined geographic market. This data is based on the annual Summary of Deposits (SOD) survey for FDIC-insured institutions as of June 30. The Deposit Market Share and the Pro Forma (HHI) Reports provide information for all institutions within a specific geographic market for a specific time period. The Market Presence and Growth Rate Reports provide similar information, but from the perspective of one institution. All reports provide data back to 1994 and are available by institution or bank holding company.

The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured institutions including insured U.S. branches of foreign banks. Data are as of June 30. Users can access these data by(1) single institution, (2) institutions within a geographic area, or (3) aggregated within a geographic area. SOD features include custom market share reports and downloads.Linkhttp://www2.fdic.gov/sod/Scope of the SurveysTo provide a means for measuring deposits in local banking markets, the surveys obtain deposit figures for each banking office of branch banking systems, and for each insured U.S. branch of a foreign bank. Deposit figures for unit banks (which do not have branch offices) were obtained from the June Reports of Condition. Deposit Reporting - Institutions should report their deposits in a manner consistent with their existing internal record-keeping practices, however, other methods that logically reflect the deposit gathering activity of the bank's branches may be used. It is recognized that certain classes of deposits and deposits of certain types of customers may be assigned to a single office. Please refer to the reporting instructions for more information (see above). Arrangement of Published DataBecause these publications are used as a source of market share information for individual banking markets, the figures for each geographical area only include deposits of offices located within that area. Several institutions have designated home offices that do not accept deposits; these have been included in the survey to provide a more complete listing of all offices. Additional points that should be noted1. With the exception noted above, 'banking office' is defined to include all offices and facilities that actually hold deposits, and does not include loan production offices, computer centers, and other nondeposit installations, such as automated teller machines (ATMs). 2. Institutions are allowed to combine deposit data from two or more offices within the same county for the following office typesdrive-in offices, seasonal branches, and military facilities. Where centralized bookkeeping or other conditions make it impossible to report exact figures, estimates are required. 3. International Banking Facility (IBF) deposits are considered deposits in foreign offices and are not included in the Summary of Deposits Survey. 4. Offices and deposits are reported by the institution that owned the office as of the close of business on June 30. 5. The term 'offices' includes both main offices and branches. An institution with four branches operates a total of five offices. 6. All reports submitted to the FDIC and the OTS have been validated and corrected to the extent possible. There may be rounding differences or minor reporting errors reflected in the tables. 7. Savings Institutions include all FDIC-Insured financial institutions that operate under federal or state thrift banking charters. Prior to August 9, 1989, all institutions insured by the Federal Savings and Loan Insurance Corporation (FSLIC) and all savings banks insured by the FDIC are included in any applicable chart.

The US commercial banking market, a significant component of the broader global landscape, is projected to experience steady growth over the forecast period (2025-2033). With a 2025 market size estimated at $700.55 billion (based on the provided global figure and assuming a significant US market share), the sector benefits from a robust and diverse economy. Key drivers include increasing demand for commercial lending to support small and medium-sized enterprises (SMEs) and larger corporations, alongside the expanding need for treasury management solutions and sophisticated financial instruments. Technological advancements, including the adoption of fintech solutions and digital banking platforms, are transforming the sector, enhancing efficiency and customer experience. However, regulatory scrutiny, economic uncertainty, and potential interest rate fluctuations represent potential restraints on growth. The market is segmented by product (commercial lending, treasury management, syndicated loans, capital markets, and other products) and function (deposit acceptance, loan advancement, credit creation, foreign trade financing, agency services, and other functions). Major players such as JPMorgan Chase, Bank of America, Wells Fargo, and Citibank hold significant market share, leveraging their extensive networks and established client bases. The competitive landscape remains dynamic, with smaller institutions and fintech companies vying for market share through innovative offerings and specialized services. Future growth is expected to be driven by strategic partnerships, mergers and acquisitions, and continued technological innovation. The substantial growth observed in recent years is likely to continue, albeit at a moderated pace. The 4.56% CAGR projected for the global market suggests a similar, albeit potentially slightly higher, growth rate for the US. This is attributable to the continuing economic activity and the ever-increasing financial needs of businesses across all sizes and sectors. The strong presence of major banking institutions in the US further contributes to market stability and growth potential. While regulatory changes and economic shifts might introduce short-term volatility, the long-term outlook for the US commercial banking sector remains positive, driven by fundamental economic trends and technological evolution within the financial services sector. Further segmentation analysis at the regional level within the US (e.g., Northeast, Southeast, West Coast) would provide a more granular understanding of market dynamics and growth opportunities. Recent developments include: July 2023: Citi unveiled its trade and working capital eLoans, a financial solution tailored to address immediate and future working capital needs. Citi eLoans, emphasizing simplicity and security, aims to empower eligible clients with the necessary liquidity to sustain their commercial operations.May 2023: JPMorgan Chase made a significant move by acquiring the lion's share of assets, along with deposits and select liabilities, from First Republic Bank in a transaction facilitated by the Federal Deposit Insurance Corporation (FDIC). This acquisition contained First Republic Bank's assets, boasting a loan portfolio of around USD 173 billion and securities valued at approximately USD 30 billion.. Key drivers for this market are: Economic Growth is Driving the Market. Potential restraints include: Economic Growth is Driving the Market. Notable trends are: Increased Digitalization in the Commercial Banking Market.