NAICS 522180 Quarterly Industry Report
Savings Institutions and Other Depository Credit Intermediation
Comprehensive industry research for valuation professionals, business owners, buyers, and lenders
NAICS Code: 522180Sector: Finance and Insurance (52)Updated: Q1 2026
About This Report
This Fair Market Value report for NAICS 522180 provides data on savings institutions and depository credit intermediation based on Census Bureau[4] classifications, Bureau of Labor Statistics employment data, and SBA size standards. Coverage includes industry structure, employment figures, revenue estimates, and regulatory classifications supporting business valuation and market analysis.
Industry Snapshot
Key metrics for the savings institutions and other depository credit intermediation industry.
Industry Definition & Overview
Savings Institutions and Other Depository Credit Intermediation (NAICS 522180) encompasses establishments primarily engaged in accepting deposits, making mortgage, real estate, and other consumer and commercial loans, and investing in high-grade securities. This includes savings and loan associations, savings banks, private banks, and establishments known as industrial banks primarily engaged in accepting deposits. Per Bureau of Labor Statistics[3] data, the primary output of these banking institutions is the provision of financial services through financial intermediation, which involves assuming risk from taking deposits and lending funds to borrowers.
The industry has experienced consolidation over recent years. Per Census Bureau[4] data, 394 companies were verified as active in NAICS 522180 as of 2020, though the number of establishments has declined at a compound annual growth rate of 2.7% between 2019 and 2024. Market size in 2025 was valued at roughly $73.2 billion, declining at an annual rate of 1.4% during the same period.
Revenue streams include consumer lending, commercial and industrial loans, and other consumer financial services, with consumer lending representing the largest segment. Savings institutions operate under federal and state regulatory oversight. The SBA establishes a size standard of $850 million in average assets for businesses seeking small business classification. Branch consolidation and mobile banking adoption continue to reshape delivery channels across the savings institution sector.
What's Included in This Industry
- Savings and loan associations and savings banks
- Private banking establishments
- Industrial banks accepting deposits
- Consumer lending and mortgage origination
- Real estate loan servicing
- Commercial and industrial lending operations
- High-grade securities investment activities
- Deposit account services and products
- Federal and state regulatory compliance
- SBA small business size standards and definitions
NAICS Classification Hierarchy
| Level | Description | Code |
|---|---|---|
| Sector | Finance and Insurance | 52 |
| Subsector | Credit Intermediation and Related Activities | 522 |
| Industry Group | Depository Credit Intermediation | 5221 |
| NAICS Industry | Savings Institutions and Other Depository Credit Intermediation | 52218 |
| National Industry | Savings Institutions and Other Depository Credit Intermediation | 522180 |
Related NAICS Codes
| Code | Description | Relationship |
|---|---|---|
| 522110 | Commercial Banking | Commercial Banking differs by emphasizing demand deposits and commercial lending over residential mortgages and time deposits that characterize savings institutions and their lending activities. |
| 522210 | Credit Card Issuing | Credit Card Issuing operates as a specialized credit provision mechanism separate from deposit-taking depository credit intermediation activities of savings institutions. |
| 522130 | Credit Unions | Credit Unions accept members' share deposits in cooperatives rather than deposits from the general public like traditional savings institutions operating under different charters. |
| 522292 | Real Estate Credit | Real Estate Credit focuses specifically on lending funds secured by real estate collateral, a major component of savings institution lending activities and mortgage portfolios. |
| 522291 | Consumer Lending | Consumer Lending provides personal loans and consumer finance separate from the deposit-taking and mortgage lending operations that define savings institutions. |
| 522310 | Mortgage and Nonmortgage Loan Brokers | Mortgage and Nonmortgage Loan Brokers arrange loans between borrowers and lenders on a commission basis rather than directly accepting deposits or holding loan portfolios. |
Frequently Asked Questions
Common questions about this industry.
What is NAICS 522180?
NAICS 522180 classifies savings institutions and other depository credit intermediation establishments including savings and loan associations, savings banks, private banks, and industrial banks. Per Census Bureau[8] definitions, these institutions accept deposits and make loans.
What activities are included?
Establishments accept deposits from customers, make consumer and commercial loans, originate real estate and mortgage loans, and invest in high-grade securities. Per BLS data[3], financial intermediation is the core activity involving risk assumption from deposit-taking and lending.
What is the SBA size standard?
Per SBA standards[5], businesses are small if average assets do not exceed $850 million over the last four quarterly financial statements in the preceding year.
How many establishments operate in this industry?
Per Census Bureau[4] data, 394 companies were active in NAICS 522180 as of 2020, though consolidation has reduced this number in subsequent years with a 2.7% annual decline rate.
What is the market size?
Per Census Bureau[4] data, industry estimates value the market at roughly $73.2 billion in 2025, declining at about 1.4% annually from 2019 to 2024 due to consolidation and changing consumer preferences.
How does NAICS 522180 differ from commercial banking?
Per Census Bureau[8] definitions, NAICS 522110 comprises establishments accepting demand deposits and making commercial loans, while NAICS 522180 focuses on savings institutions accepting time deposits and emphasizing residential mortgage lending and consumer loans.
What are the main revenue segments?
Per FDIC[9] reports, revenue is generated across consumer lending, commercial and industrial loans, and other consumer financial services, with consumer lending representing the largest revenue segment for most institutions.
What regulatory bodies oversee these institutions?
Per OCC[10] and state regulators, savings institutions operate under federal and state regulatory oversight, including supervision by banking regulators and adherence to Federal Financial Institutions Examination Council reporting requirements for call reports.
Sources & References
Government datasets and editorial sources used in this report.
- [1]U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages bls.gov
- [2]U.S. Census Bureau, Economic Census census.gov
- [3]Bureau of Labor Statistics bls.gov
- [4]Census Bureau data.census.gov
- [5]SBA size standards sba.gov
- [6]SBA 7(a) loans sba.gov
- [7]504 loans sba.gov
- [8]Census Bureau census.gov
- [9]FDIC fdic.gov
- [10]OCC occ.treas.gov
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