US Commercial Banking Industry Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

The United States Commercial Banking Market Report is Segmented by Products (Commercial Lending, Treasury Management, Syndicated Loans, Capital Markets, and Other Products) and Function (Accepting Deposits, Advancing Loans, Credit Creation, Financing Foreign Trade, Agency Services, and Other Functions). The Report Offers Market Sizes and Forecasts in Terms of Value (USD) for all the Above Segments.

US Commercial Banking Industry Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

US Commercial Banking Market Size

US Commercial Banking Market Summary
Study Period 2020 - 2030
Base Year For Estimation 2024
Forecast Data Period 2025 - 2030
Market Size (2025) USD 732.50 Billion
Market Size (2030) USD 915.45 Billion
CAGR (2025 - 2030) 4.56 %
Market Concentration High

Major Players

US Commercial Banking Market Major Players

*Disclaimer: Major Players sorted in no particular order

Compare market size and growth of US Commercial Banking Market with other markets in Financial Services and Investment Intelligence Industry

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US Commercial Banking Market Analysis

The US Commercial Banking Market size is estimated at USD 732.50 billion in 2025, and is expected to reach USD 915.45 billion by 2030, at a CAGR of 4.56% during the forecast period (2025-2030).

The primary source of revenue for most banks is business lending, which typically accounts for 60% of their income in addition to their absolute loan portfolio, particularly for provincial and smaller banks. Several leading banks in the United States are investing in innovation as a critical factor for their future growth in some form or another. As for customer portals and applications, in the current computerized banking landscape, IT drives are having similar effects in the back-office as they do in client-facing channels. Corporate and commercial banking revenue in the United States has increased at a rate that is twice the rate of economic growth.

The commercial banking market in the United States is expected to see an increase in partnerships between fintech firms and digital lending companies for payment collections. Open banking is expected to reshape the competition in the market in the next few years. Banks that invest in capabilities are projected to position themselves well to remain strong consumer brands. However, loan growth has increased in the last few months, with annual growth slowing from nearly double digits late the previous year to around 9%, indicating that tighter conditions are starting to dampen bank credit growth.

US Commercial Banking Industry Overview

The US commercial banking market is consolidated. It is one of the most competitive in the world, with major players worldwide operating in the market. There are many opportunities for growth in the commercial banking market in the United States over the next few years, especially for fintech startups partnering with these big players, which will further increase competition in the market. With a few big players dominating the market, there is a high degree of consolidation in the market studied, with the market share being at its highest level in 10 years. The leading players in the market are JPMorgan Chase & Co., Citigroup Inc., Bank of America Corp., Well Fargo & Co., and Goldman Sachs Group Inc.
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US Commercial Banking Market Leaders

  1. JPMorgan Chase & Co.

  2. Bank of America Corp.

  3. Citigroup Inc.

  4. Wells Fargo & Co.

  5. Goldman Sachs Group Inc.

  6. *Disclaimer: Major Players sorted in no particular order
US Commercial Banking Market Concentration
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US Commercial Banking Market News

  • 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.

US Commercial Banking Market Report - Table of Contents

1. INTRODUCTION

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2. RESEARCH METHODOLOGY

3. EXECUTIVE SUMMARY

4. MARKET DYNAMICS

  • 4.1 Market Drivers
    • 4.1.1 Economic Growth is Driving the Market
  • 4.2 Market Restraints
    • 4.2.1 Cyber Security Threats are Restraining the Market
  • 4.3 Market Opportunities
    • 4.3.1 The Ongoing Rise of Fintech Companies
    • 4.3.2 Increased Regulatory Developments in Commercial Banking
  • 4.4 Porter's Five Forces Analysis
    • 4.4.1 Bargaining Power of Suppliers
    • 4.4.2 Bargaining Power of Buyers/Consumers
    • 4.4.3 Threat of New Entrants
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Insights on Digital Disruptions and Technological Trends in the US Banking Industry
  • 4.6 Impact of COVID-19 on the Market

5. MARKET SEGMENTATION

  • 5.1 By Product
    • 5.1.1 Commercial Lending
    • 5.1.2 Treasury Management
    • 5.1.3 Syndicated Loans
    • 5.1.4 Capital Market
    • 5.1.5 Other Products
  • 5.2 By Function
    • 5.2.1 Accepting Deposits
    • 5.2.2 Advancing Loans
    • 5.2.3 Credit Creation
    • 5.2.4 Financing Foreign Trade
    • 5.2.5 Agency Services
    • 5.2.6 Other Functions

6. COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 JP Morgan
    • 6.2.2 Bank of America
    • 6.2.3 Wells Fargo
    • 6.2.4 Citibank
    • 6.2.5 Goldman Sachs Group Inc.
    • 6.2.6 Morgan Stanley
    • 6.2.7 US Bancorp
    • 6.2.8 PNC Financial Services Group Inc.
    • 6.2.9 Capital One Financial Corp.*
  • *List Not Exhaustive

7. MARKET FUTURE TRENDS

8. DISCLAIMER

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US Commercial Banking Industry Segmentation

Commercial banks, as financial institutions, offer a spectrum of services to the public, encompassing withdrawals, deposits, and investment lending. Borrowing and lending are the two main components of commercial banking. This report will provide a detailed analysis of the US commercial banking market. The report delves into market dynamics and emerging trends in segments and regional markets and offers insights into various product and application types. It also analyses the key players and the competitive landscape. 

The US commercial banking market is segmented by product and function. By product, the market is segmented into commercial lending, treasury management, syndicated loans, capital markets, and other products. By function, the market is segmented into accepting deposits, advancing loans, credit creation, financing foreign trade, agency services, and other functions. The report offers market sizes and forecasts in terms of value (USD) for all the above segments.

By Product Commercial Lending
Treasury Management
Syndicated Loans
Capital Market
Other Products
By Function Accepting Deposits
Advancing Loans
Credit Creation
Financing Foreign Trade
Agency Services
Other Functions
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US Commercial Banking Market Research Faqs

How big is the US Commercial Banking Market?

The US Commercial Banking Market size is expected to reach USD 732.50 billion in 2025 and grow at a CAGR of 4.56% to reach USD 915.45 billion by 2030.

What is the current US Commercial Banking Market size?

In 2025, the US Commercial Banking Market size is expected to reach USD 732.50 billion.

Who are the key players in US Commercial Banking Market?

JPMorgan Chase & Co., Bank of America Corp., Citigroup Inc., Wells Fargo & Co. and Goldman Sachs Group Inc. are the major companies operating in the US Commercial Banking Market.

What years does this US Commercial Banking Market cover, and what was the market size in 2024?

In 2024, the US Commercial Banking Market size was estimated at USD 699.10 billion. The report covers the US Commercial Banking Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the US Commercial Banking Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.

US Commercial Banking Industry Report

The US Commercial Banking Market, a crucial segment of the financial industry, offers a wide range of services such as commercial lending, treasury management, syndicated loans, and capital market services. It plays a vital role in economic growth by providing credit and financial services to a diverse clientele, including individuals, SMEs, large corporations, and government agencies. With a focus on innovation and technology, US commercial banks are enhancing their customer portals and mobile applications to meet evolving client needs. The competitive landscape sees banks investing in digital transformation and open banking to improve customer experiences and expand services. Despite challenges like regulatory compliance and high collateral demands, the sector is growing, driven by digital banking advancements, personalized services, and collaborations between traditional banks and FinTech companies. This growth reflects the evolving trends in US commercial banking. For detailed statistics on market share, size, and revenue growth, Mordor Intelligence™ Industry Reports offer a comprehensive analysis, including forecasts and historical overviews, available as a free report PDF download.