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Industrial Banks in the US - Industry Market Research Report

Industrial Banks in the US

Over the five years to 2019, the Industrial Banks industry has advanced further into the public spotlight. The industry's core business of issuing credit cards and originating loans has grown over the five years to 2019. Strong underlying growth in interest rates, consumer borrowing and access to credit has characterized the industry for most of the five-year period. IBISWorld estimates that projected increases in borrowing costs, coupled with improving consumer spending and loan demand, will cause industry revenue to rise over the five years to 2024. Revenue growth will be propelled by the industry's largest banks, while the total number of industry participants is expected to decline over the next five years. Nonetheless, the industry is expected to retain its appeal to financial technology companies and nonfinancial institutions that are able to meet the capital reserve requirements dictated the FDIC.

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, they are regulated by the state under which they are charted and the Federal Deposit Insurance Corporation.

This report covers the scope, size, disposition and growth of the industry including the key sensitivities and success factors. Also included are five year industry forecasts, growth rates and an analysis of the industry key players and their market shares.


  • About this Industry
  • Industry at a Glance
    • Table Key Statistics Snapshot
    • Table Revenue vs. employment growth
    • Table Products and services segmentation (2019)
    • Table Industry Structure
  • Industry Performance
    • Table Prime rate
    • Table Industry revenue
    • Table Life Cycle Stage
  • Products & Markets
    • Table KEY BUYING INDUSTRIES
    • Table KEY SELLING INDUSTRIES
    • Table Products and services segmentation (2019)
    • Table Major market segmentation (2019)
    • Table Business Locations 2019
    • Table Distribution of establishments vs. population
  • Competitive Landscape
    • Table Sector vs. Industry Costs
    • Table Barriers to Entry checklist
  • Major Companies
    • Table Major Players
    • Table Sallie Mae Bank (US industry-specific segment) - financial performance*
    • Table Comenity Capital Bank (US industry-specific segment) - financial performance*
    • Table UBS Bank USA (US industry-specific segment) - financial performance*
    • Table Merrick Bank (US industry-specific segment) - financial performance*
    • Table USAA Savings Bank (US industry-specific segment) - financial performance*
    • Table BMW Bank of North America (US industry-specific segment) - financial performance*
  • Operating Conditions
    • Table Capital Intensity
    • Table Tools of the Trade: Growth Strategies for Success
    • Table Volatility vs. growth
  • Key Statistics
    • Table Industry Data
    • Table Annual Change
    • Table Key Ratios
    • Table Industry Financial Ratios
  • Jargon & Glossary

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