Profit Margin
14.7%
Net income ÷ total receipts (IRS SOI)
Finance and Insurance ·NAICS 5221
NAICS 5221 · IRS SOI 2023 · Census CBP
Depository Credit Intermediation - Industry Benchmarks
$101,156/yr average annual pay, with 2 SBA loans on record for NAICS 5221.
- 14.7%
- Net margin
- 2.1M
- Workers employed
- $101,156/yr
- Avg payroll / employee
- $1M
- SBA lending, FY20–26
Data updated July 2026
The verdict · NAICS 5221
Depository Credit Intermediation runs a 14.7% pre-tax net margin - above average for US industries - across 109K establishments employing 2.1M workers.
- 14.7%
- Pre-tax net margin (IRS SOI)
- 2.1M
- Workers employed (Census CBP)
- $101,156/yr
- Avg payroll / employee
- $1M
- SBA lending, FY20–26
Benchmarking Insights for Depository Credit Intermediation
Depository Credit Intermediation sits inside Finance and Insurance at a 14.7% net margin (above average for US industries), $47.0B in aggregate receipts across 1,040 returns, averaging $45.2B per establishment.
108,792 establishments employ 2,072,993 workers (19.1/location) at $101,156/yr average annual pay. Texas leads employment, followed by California and Florida.
Total Receipts
$47.0B
Annual revenue (IRS SOI)
Net Income
$6.9B
Pre-tax net income
Employment
2,072,993
Total employees (Census CBP)
Avg Payroll / Employee
$101,156/yr
Annual compensation
Establishments
108,792
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment increased by 145,476; establishment count decreased by 1,024. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Where each dollar of Depository Credit Intermediation revenue goes
Workforce scale
Depository Credit Intermediation margin vs national reference points
Depository Credit Intermediation net margin 49.0%
Cross-industry median (5%)
p25/median/p75 = 3%/5%/8%
Business Structure Breakdown
How businesses in this industry are legally structured (IRS SOI)
C Corporation
1,040 returns 100%
Margin: 14.7% · Receipts: $47.0B
Financial Detail
- Total Tax Returns Filed
- 1,040
- Avg Receipts per Business
- $45.2B
- Annual Payroll (Total)
- $209.7B
- Avg Employees per Establishment
- 19.1
Sub-Industries
| Industry | Profit Margin |
|---|---|
| Commercial Banking NAICS 52211 | N/A |
| Credit Unions NAICS 52213 | N/A |
| Other Depository Credit Intermediation NAICS 52219 | N/A |
| Savings Institutions NAICS 52212 | N/A |
Top States by Employment
| State | Employment |
|---|---|
| Texas | 184,896 |
| California | 164,119 |
| Florida | 128,685 |
| Ohio | 89,886 |
| Illinois | 87,720 |
| Pennsylvania | 71,731 |
| New Jersey | 61,678 |
| Massachusetts | 54,362 |
| Virginia | 53,359 |
| Minnesota | 52,485 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
2
Total Loan Volume
$1M
Avg Loan Size
$470K
Jobs Supported
53
Program Breakdown
7(a) 1 (50%)
504 1 (50%)
Top SBA Lender
Dakota Business Finance
1 loans in this industry
New Business Share
0.0% of borrowers were new/startup businesses
Annual Lending Trend (2 yrs)
2020 1
2021 1
Frequently Asked Questions
What is the average revenue for Depository Credit Intermediation?
$47.0B in total annual receipts across all Depository Credit Intermediation businesses. Average per business: $45.2B.
How profitable is Depository Credit Intermediation?
14.7% net profit margin, above average for US industries.
How many businesses are in Depository Credit Intermediation?
108,792 business establishments. Together they employ 2,072,993 workers.
What is the average payroll per employee in Depository Credit Intermediation?
$101,156/yr average annual pay per employee. Businesses average 19.1 employees per establishment.
Which states have the most Depository Credit Intermediation employment?
Texas leads with 184,896 workers. California (164,119) and Florida (128,685) round out the top three.
How much SBA lending does Depository Credit Intermediation receive?
Depository Credit Intermediation businesses received 2 SBA loans totaling $1 million between FY2020 and FY2026. The average loan size was $470K. These loans supported 53 jobs at origination. A significant share came through the SBA 504 program, which finances major fixed assets like real estate and equipment.
Comparable industry benchmarks
These links are calculated from the current national dataset. They are comparison paths, not recommendations or evidence that businesses operate alike.
How this ranks: Depository Credit Intermediation reports a higher net margin than 91% of the 126 IRS-tracked industries at the same NAICS detail level. Its Census employment total exceeds 96% of that same 259-industry cohort. Calculated by ranking this industry's reported value against every other industry at the same NAICS digit-level, not the whole dataset: comparing a 6-digit detail industry to a 2-digit sector would mix incompatible scales.
Closest reported net margins
Same NAICS detail level, ordered by the smallest difference in reported IRS pre-tax margin.
Closest workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
- Computer Systems Design and Related Services 2,050,626
- Services to Buildings and Dwellings 2,156,568
- Individual and Family Services 2,234,072
Benchmarking Depository Credit Intermediation
- Net margin: 14.7% vs sector. Browse Finance and Insurance
- 108,792 establishments, 2,072,993 workers. Payroll benchmarks
- 2 SBA loans on record. SBA lending rankings
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.
Sources: IRS Statistics of Income (SOI) Business Tax Statistics · Census Bureau County Business Patterns 2023
NAICS 5221 · Data year: 2023
According to the U.S. Census Bureau, which released its 2023 County Business Patterns dataset in June 2025, PlainBizBench benchmarks 2,002 U.S. industries against Internal Revenue Service Statistics of Income data. See our methodology for the full compilation process.
Read our methodology - how this data is sourced, computed, and verified.
Source: U.S. Census Bureau, County Business Patterns / SUSB Industry employment scale, payroll, and firm-size benchmarks · 2023
Every figure on PlainBizBench is rendered directly from federal source data, no number is typed in by an editor. This page aggregates profit-margin, payroll, entity-type, and SBA-lending benchmarks for this industry, live from the dataset. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.
Disclaimer: Public IRS/Census data, not financial or tax advice. See our full disclaimer.