Overview

Loan star: Improving economy and access to credit to foster revenue growth

IBISWorld’s industry research report on Commercial Banking in Texas contains five-year forecasts and data analysis that can help you identify and mitigate risks in potential new markets. Position yourself as an expert with internal stakeholders by using our comprehensive industry research to inform your reports, proposals and presentations. Our business information will save you money by helping you make better decisions, faster.

REPORT SNAPSHOT

Industry Threats & Opportunities

  • Access to credit in Texas has increased as the economy has grown, signaling a greater number of loans procured across the state
  • Noninterest income has been the primary impetus for growth in industry revenue
  • Operators will amass more interest income from loan agreements

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    Industry Analysis & Industry Trends

    The Commercial Banking industry in Texas, the fourth-largest state in the industry in terms of revenue, has experienced modest growth over the past five years as the state's economy has grown, and demand for financial services has increased. Over the five years to 2017, the industry benefited from improving disposable income levels and increased access to credit, raising the number of loans procured across the state, while the operators also continued to increase revenue from noninterest income. While federal funds rates are expected to rise more frequently over the next five years, they will still remain relatively low, and thus, demand for loans in Texas is expected to remain strong...

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    Industry Report - Industry Analysis Chapter

    The Commercial Banking industry in Texas has exhibited modest growth over the five years to 2017, abetted by rising demand for financial services like loans. For example, access to credit in the Lone Star State has increased over the five-year period, which has caused commercial banks to make more loans to consumers and businesses. As a result, commercial banks in Texas have been able to garner more interest income, which has contributed to revenue growth. Overall, industry revenue has increased at an estimated annualized rate of 1.5% with moderate volatility over the past five years, reaching $17.8 billion. In 2017 alone, revenue is projected to grow 4.0%, especially as interest rates trend upward.

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    Additional Insights for the Commercial Banking in Texas Industry

    IBISWorld identifies 250 Key Success Factors for a business.The most important for the Commercial Banking in Texas Industry are

  • Having a good reputation
  • Membership of joint marketing/distribution operations
  • Superior financial management and debt management
  • IBISWorld analysts also discuss how external factors such as Regulation for the Banking sector and Access to Credit in Texas in the Commercial Banking in Texas industry impact industry performance..

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    Industry Products

    What is the Commercial Banking in Texas Industry?

    This industry comprises commercial banks in Texas that provide financial services to retail and business clients in the form of commercial, industrial and consumer loans. Banks accept deposits from customers, which are used as sources of funding for loans. Operators receive charters from either the Office of the Comptroller of the Currency or the Texas Department of Banking. Banks are also insured by the Federal Deposit Insurance Corporation (FDIC).

    Industry Products
    Depository services and related fees
    Real estate loans
    Loans to individuals
    Commercial and industrial loans
    Industry Activities
    Receiving deposits from customers
    Issuing consumer, commercial and industrial 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
  • Regulation for the Banking sector
  • Access to Credit in Texas
  • Number of businesses in Texas
  • Per capita disposable income in Texas

  • Current Performance
  • Interest rates rebound
  • Noninterest income rises
  • Regulation drives consolidation
  • Chart: Revenue Growth

  • Industry Outlook
  • Interest rates climb
  • Industry landscape
  • Table: Commercial Banking in Texas Industry Revenue Outlook

  • Industry Life Cycle
  • Life cycle reasons
  • Chart: Benchmarking - Commercial Banking in Texas Industry Lifecycle vs The Economy

  • Products & Markets
    Supply Chains
    Key Buying Industries
  • Agriculture, Forestry, Fishing and Hunting
  • Mining
  • Construction
  • Information
  • Consumers

  • Key Selling Industries
  • Central Banking
  • Commercial Leasing

  • Products & Services
  • Real estate loans
  • Depository services and related fees
  • Commercial and industrial loans
  • Other
  • Loans to individuals
  • Chart: Commercial Banking in Texas Industry Products and Services Segmentation

  • Major Markets
  • Corporate customers
  • Retail customers
  • Other customers
  • Chart: Major Market Segmentation for the Commercial Banking in Texas Industry

  • Business Locations
    Chart: Business Locations by State
    Competitive Landscape
    Market Share Concentration
    Key Success Factors
    Cost Structure Benchmarks
  • Profit
  • Wages
  • Rent and utilities
  • Other expenses
  • Chart: Cost Structure Benchmarking – Sector vs Commercial Banking in Texas

  • Basis of Competition
    Barriers to Entry
  • Table: Barrier to Entry Checklist for the Commercial Banking in Texas Industry

  • Major Companies
    JPMorgan Chase & Co.Wells Fargo & CompanyBank of America Corporation BBVA Compass Bancshares Inc.
  • Table: JPMorgan Chase & Co. - financial performance
  • Table: Wells Fargo & Company - financial performance
  • Table: Bank of America Corporation - financial performance
  • Table: BBVA Compass Bancshares Inc. - financial performance

  • Operating Conditions
    Capital Intensity
  • Chart: Level of Capital Intensity for the Commercial Banking in Texas 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 Commercial Banking in Texas Industry
    Includes:
  • Industry Revenue (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
    Jargon & Glossary
    Default
  • When a customer fails to pay back money received through a loan to the bank.
  • Loan And Lease Loss Provision
  • An amount set aside as an allowance for bad debts (i.e. debts where the customer defaults or where the terms of the loan need to be renegotiated).
  • Subprime Mortgage
  • A type of mortgage made out to borrowers with lower credit ratings. Lending institutions often charge higher interest on subprime mortgages to compensate themselves for carrying more risk.
  • Warrant
  • A type of security that entitles the holder to purchase stock in the issuing company at a specified price.
  • 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 Commercial Banking in Texas:
    • 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 Commercial Banking in Texas 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 Commercial Banking in Texas, you can expect thoroughly researched, reliable and current information that will help you to make faster, better business decisions.

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