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Savings Institutions & Other Depository Credit Intermediation in the US Industry Data and Analysis
Savings institutions have contended with intensifying external competition over the past five years, losing deposits to nationally scaled commercial banks, money market mutual funds and financial technology platforms competing on onboarding speed and mobile functionality rather than branch presence. Digital account opening and online rate-comparison tools have cut switching costs, while federal deposit insurance removes quality differentiation between providers up to the coverage limit, leaving advertised rates to determine where household balances land. Sustained merger and acquisition activity has sharply reduced the number of enterprises as compliance obligations, multi-year core banking contracts, and cybersecurity requirements have overwhelmed the smallest institutions, concentrating the industry without making it more dynamic. Elevated mortgage rates suppressed origination and refinancing volumes for most of the period, while the qualified thrift lender test limited diversification away from residential exposure, leaving commercial and industrial lending and card services as the more reliable sources of yield. Revenue has been expanding at a CAGR of 0.1% over the past five years and is expected to reach $76.9 billion in 2026, when revenue will rise by an estimated 2.2%.
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What's included in this industry analysis
IBISWorld's research coverage on the Savings Institutions & Other Depository Credit Intermediation industry in the United States includes market sizing, forecasting, data and analysis from 2016-2031. The most recent publication was released August 2026.
About this industry
What's this industry report about?
The Savings Institutions & Other Depository Credit Intermediation industry in the United States operates under the NAICS industry code 52218. This industry comprises establishments primarily engaged in accepting deposits, making mortgage, real estate, and other consumer and commercial loans, and investing in high-grade securities (except commercial banking and credit unions). Savings and loan associations, savings banks, private banks (i.e., unincorporated banks), and establishments known as industrial banks or Morris Plans and primarily engaged in accepting deposits are included in this industry. Related terms covered in the Savings Institutions & Other Depository Credit Intermediation industry in the United States include certificate of deposit, provisions for loan losses and write-down.
What's included in this industry?
Products and services covered in Savings Institutions & Other Depository Credit Intermediation industry in the United States include Consumer lending, Commercial and industrial loans and Other consumer financial services.
What companies are included in this industry?
The Savings Institutions & Other Depository Credit Intermediation industry in the United States is highly fragmented with no companies holding a market share greater than 5%.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Savings Institutions & Other Depository Credit Intermediation industry in the United States. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Savings Institutions & Other Depository Credit Intermediation industry in the United States. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Savings Institutions & Other Depository Credit Intermediation industry in the United States. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Savings Institutions & Other Depository Credit Intermediation industry in the United States. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
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Frequently Asked Questions
What is the market size of the Savings Institutions & Other Depository Credit Intermediation industry in the United States in 2026?
The market size of the Savings Institutions & Other Depository Credit Intermediation industry in the United States is $76.9bn in 2026.
How many businesses are there in the Savings Institutions & Other Depository Credit Intermediation industry in the United States in 2026?
There are 12 businesses in the Savings Institutions & Other Depository Credit Intermediation industry in the United States, which has declined at a CAGR of 16.7 % between 2021 and 2026.
How may import tariffs affect the Savings Institutions & Other Depository Credit Intermediation industry in the United States?
The Savings Institutions & Other Depository Credit Intermediation industry in the United States is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Savings Institutions & Other Depository Credit Intermediation industry in the United States?
The Savings Institutions & Other Depository Credit Intermediation industry in the United States is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Savings Institutions & Other Depository Credit Intermediation industry in the United States grown or declined over the past 5 years?
The market size of the Savings Institutions & Other Depository Credit Intermediation industry in the United States has been growing at a CAGR of 0.1 % between 2021 and 2026.
What is the forecast growth of the Savings Institutions & Other Depository Credit Intermediation industry in the United States over the next 5 years?
Over the next five years, the Savings Institutions & Other Depository Credit Intermediation industry in the United States is expected to grow.
What does the Savings Institutions & Other Depository Credit Intermediation industry in the United States include?
Providing residential mortgages and Providing commercial and industrial mortgages are part of the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
How competitive is the Savings Institutions & Other Depository Credit Intermediation industry in the United States?
The level of competition is high and increasing in the Savings Institutions & Other Depository Credit Intermediation industry in the United States.
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