NAICS 5221 · IRS SOI 2013 (C corp) · Census CBP 2023

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 August 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

Use Depository Credit Intermediation's NAICS benchmark as a comparison point, not a forecast for one business.

Depository Credit Intermediation is reported here with financial measures from IRS Statistics of Income and workforce measures from Census County Business Patterns. The page keeps those source systems distinct, shows unavailable fields rather than estimating them, and links the underlying industry context so readers can compare the same NAICS activity before interpreting a margin or payroll figure.

Source: IRS SOI 2013 (C corporation headline) and Census County Business Patterns 2023

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.

Depository Credit Intermediation sits in the 96th percentile for employment and the 94th percentile for net margin among 4-digit NAICS industries with reported data.

Profit Margin

14.7%

Net income ÷ total receipts (IRS SOI)

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.

Subscribe to this industry's release updates (RSS)

Where each dollar of Depository Credit Intermediation revenue goes

Receipts decomposition, IRS Statistics of Income 2023 aggregate for Depository Credit Intermediation

Workforce scale

Establishment size, Depository Credit Intermediation (Census SUSB)

Depository Credit Intermediation margin vs national reference points

Depository Credit Intermediation net margin 49.0%

Cross-industry median (5%)

p25/median/p75 = 3%/5%/7%

Business Structure Breakdown

Per-entity IRS SOI tables at their own vintages, shares only when every row shares one year (never mix 2013/2017/2022 populations).

C Corporation SOI 2013

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	Employment	Avg Payroll/Emp
Commercial Banking NAICS 52211	N/A	1,630,919	$107,216/yr
Credit Unions NAICS 52213	N/A	348,545	$73,279/yr
Other Depository Credit Intermediation NAICS 52219	N/A	N/A	N/A
Savings Institutions NAICS 52212	N/A	90,728	$96,380/yr

Top States by Employment

State	Employment	Establishments	Annual Payroll	Avg Payroll/Emp
Texas	184,896	8,157	$18.1B	$97,939/yr
California	164,119	9,005	$19.6B	$119,135/yr
Florida	128,685	6,132	$11.8B	$91,824/yr
Ohio	89,886	4,232	$8.2B	$91,154/yr
Illinois	87,720	4,555	$9.7B	$111,019/yr
Pennsylvania	71,731	4,893	$6.5B	$90,550/yr
New Jersey	61,678	2,921	$7.9B	$128,070/yr
Massachusetts	54,362	2,726	$7.0B	$128,671/yr
Virginia	53,359	2,825	$4.9B	$91,035/yr
Minnesota	52,485	2,127	$5.3B	$101,396/yr

Showing top 10 of 51 states

SBA Lending Activity

SBA FY2020–2026

SBA Loans Approved

Total Loan Volume

$1M

Avg Loan Size

$470K

Jobs Supported

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

2021

View SBA lending rankings →

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.

Nationwide industries with similar benchmark drivers

Two IRS/Census peer sets for Depository Credit Intermediation, both at NAICS level 4 and excluding this code so the neighborhoods are not self-links.

According to Census County Business Patterns 2023, Depository Credit Intermediation ranks #10 of 259 U.S. industries at the 4-digit NAICS level by total employment. According to IRS SOI 2013 IRS Statistics of Income, its reported pre-tax net margin ranks #7 of 126 at that same detail level.

Similar reported net margin

Nearest peer industries by ABS(IRS pre-tax margin) (14.7% here).

Computer and Peripheral Equipment Manufacturing 14.1% Offices of Real Estate Agents and Brokers 14.0% Soap, Cleaning Compound, and Toilet Preparation Manufacturing 16.6%

Similar workforce scale

Nearest peer industries by ABS(Census employment) (2,072,993 here).

Computer Systems Design and Related Services 2,050,626 Services to Buildings and Dwellings 2,156,568 Individual and Family Services 2,234,072

Read with this industry: Understanding profit margins by industry · Finance and Insurance · 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 · CBP 2023 · IRS SOI 2013

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 Accessed 2026-07-06

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.