Industrial Banks in the US

Overview

Bank on it: The industry will benefit from industrial bank growth and improving consumer spending and loan demand

IBISWorld’s Industrial Banks market research report can be used to help you: understand market size and growth potential; major companies; draft business plans and pitch books; and conduct benchmarking and SWOT analysis. Our industry analysis highlights macro industry trends in the overall sector and micro trends faced by companies that do business in the industry. The industry report also provides key industry statistics and 5-year forecasts to anticipate future industry prospects so you can decide with confidence.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • Slow rises in the number of industrial banks, coupled with improving consumer spending and loan demand, will cause revenue to rise
  • Industrial banks have fared comparatively better than the rest of banking sector
  • A moratorium on industrial bank applications will expire, driving considerable growth

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    Industry Analysis & Industry Trends

    Over the five years to 2017, the Industrial Banks industry has repeatedly claimed to be burdened by regulatory impediments. Although the industry performed stronger than the overall banking sector over the five-year period, due to its higher-quality loan portfolio, acquisitions and troubled parent companies caused the number of industry participants to decline. The industry's core business grew over the five years to 2017. With growth beginning in 2012, industry revenue reversed its recessionary course and turned toward recovery. With the FDIC lifting the ban on industrial banks after favorable reports on industry conditions, conditions for new entrants returning to the industry over the five years to 2022 are expected to improve...

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    Industry Report - Industry Analysis Chapter

    The Industrial Banks industry has experienced trying times in the last decade. Originally, the Federal Deposit Insurance Corporation (FDIC) placed a moratorium on new industrial banks in 2007 in response to protests against Walmart’s 2005 application to form an industrial bank in Utah. The FDIC held two public hearings on Walmart’s failed application, the first of such proceedings in the agency’s history, which brought the little-understood industry into the public spotlight for the first time. Lawmakers in California, Colorado, Illinois, Iowa, Kansas, Maine, Maryland, Missouri, Oklahoma, Texas, Wisconsin, Virginia and Vermont reacted by passing laws restricting the operation of industrial banks in these states to varying degrees. The..

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    Additional Insights for the Industrial Banks Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Industrial Banks Industry are

  • Economies of scale
  • Superior financial management and debt management
  • Ability to raise revenue from additional sources

    • IBISWorld analysts also discuss how external factors such as Prime rate and Regulation for the Banking sector in the Industrial Banks industry impact industry performance..

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    Industry Products

    What is the Industrial Banks Industry?

    Industrial banks, also known as industrial loan companies, are financial institutions authorized to make consumer and commercial loans and to accept federally insured deposits. Either financial or commercial operators can own these types of banks. The Federal Reserve does not regulate industrial banks under the Bank Holding Act; instead, the state under which they are charted and the Federal Deposit Insurance Corporation regulates them.

    Industry Products
    Loans
    Deposits
    Credit financing
    Financial planning
    Industry Activities
    Accepting demand and other deposits
    Making commercial, industrial and consumer loans

    Table of Contents

    About this Industry
    Industry Definition
    Main Activities
    Similar Industries
    Additional Resources
    Industry at a Glance
    Industry Statistics Snapshot
    Industry Structure
    Executive Summary
    Industry Performance
    Executive Summary
    Key External Drivers
  • Prime rate
  • Regulation for the Banking sector
  • Aggregate household debt
  • Manufacturing capacity utilization
  • S&P 500

    • Current Performance
  • Industry landscape
  • Revenue and employment
  • Interest rates and profit
  • Chart: Revenue Growth

    • Industry Outlook
  • Untapped capital of industrial banks
  • Expansion of commercially owned industrial banks
  • Regulatory landscape
  • Table: Industrial Banks Industry Revenue Outlook

    • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Industrial Banks Industry Lifecycle vs The Economy

    • Products & Markets
    Supply Chains
    Key Buying Industries
  • Financial Planning & Advice
  • Consumers

    • Key Selling Industries
  • Department Stores
  • Finance and Insurance
  • Investment Banking & Securities Dealing
  • New Car Dealers

    • Products & Services
  • Loans
  • Deposits
  • Credit financing
  • Financial planning
  • Other
  • Chart: Industrial Banks Industry Products and Services Segmentation

    • Demand Determinants
    Major Markets
  • Consumer and retail customers
  • Small business, corporate and institutional clients
  • Other
  • Government clients
  • Chart: Major Market Segmentation for the Industrial Banks Industry

    • International Trade
    Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
    ProfitWagesRent and utilitiesMarketingOther expenses
  • Chart: Cost Structure Benchmarking – Sector vs Industrial Banks

    • Basis of Competition
    Barriers to Entry
  • Table: Barrier to Entry Checklist for the Industrial Banks Industry

    • Industry Globalization
    Major Companies
    American Express Centurion Bank Sallie MaeUBS AG
  • Table: American Express Centurion Bank - financial performance
  • Table: Sallie Mae - financial performance
  • Table: UBS AG - financial performance

    • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Industrial Banks Industry
  • Chart: Tools of the Trade: Growth Strategies for Success

    • Technology & Systems
    Revenue Volatility
  • Chart: Volatility vs Industry Growth

    • Regulation & Policy
    Industry Assistance
    Key Statistics
    Table: Industry Data for the Industrial Banks Industry
    Includes:
  • Industry Revenue (2008-2022)
  • Industry Gross Product (2008-2022)
  • Establishments (2008-2022)
  • Businesses (2008-2022)
  • Employment (2008-2022)
  • Wages (2008-2022)
  • Prime Rate (2008-2022)

    • Table: Annual Percentage Change for Key Industry Data
    Table: Key Ratios for Industry Key Data
    Table: Industry Financial Ratios
    Jargon & Glossary
    Automated Transfer Service
  • A depositor's savings account from which funds may be transferred automatically to the same depositor's checking account to cover a check written or to maintain a minimum balance.
    • Certificate Of Deposit (Cd)
  • A short- or medium-term, interest-bearing, FDIC-insured account.
    • Money Market Deposit Accounts (Mmda)
  • Accounts insured by the federal government that offer many of the same services as checking accounts. They are more limited in their transactions and carry slightly more risk.

    • Why buy this report?

    IBISWorld industry market research reports enable you to:
    • Find out about key industry trends
    • Identify threats and opportunities
    • Inform your decisions for marketing, strategy and planning
    • Quickly build competitive intelligence
    This report on Industrial Banks:
    • Provides Market Size information to assist with planning and strategic decisions.
    • Includes the necessary information to perform SWOT, PEST and STEER analysis.
    • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
    • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.
    The Industrial Banks market research report includes:
    • Historical data and analysis for the key drivers of this industry
    • A five-year forecast of the market and noted trends
    • Detailed research and segmentation for the main products and markets
    • An assessment of the competitive landscape and market shares for major companies
    • And of course, much more

    IBISWorld reports on thousands of industries around the world. Our clients rely on our information and data to stay up-to-date on industry trends across all industries. With this IBISWorld Industry Research Report on Industrial Banks, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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