Employment
177,887
Total employees (Census CBP)
Finance and Insurance ·NAICS 522320
NAICS 522320 · IRS SOI 2023 · Census CBP
Financial Transactions Processing, Reserve, and Clearinghouse Activities - Industry Benchmarks
$132,587/yr average annual pay, with 116 SBA loans on record for NAICS 522320.
- 20.1%
- Finance and Insurance sector margin
- 178K
- Workers employed
- $132,587/yr
- Avg payroll / employee
- $95M
- SBA lending, FY20–26
Data updated July 2026
The verdict · NAICS 522320
Georgia leads Financial Transactions Processing, Reserve, and Clearinghouse Activities activity nationally. IRS SOI doesn't publish margin data at this NAICS level, but the broader Finance and Insurance sector runs a 20.1% net margin.
- 20.1%
- Finance and Insurance sector margin (IRS SOI)
- 178K
- Workers employed (Census CBP)
- $132,587/yr
- Avg payroll / employee
- $95M
- SBA lending, FY20–26
Benchmarking Insights for Financial Transactions Processing, Reserve, and Clearinghouse Activities
Financial Transactions Processing, Reserve, and Clearinghouse Activities sits inside Finance and Insurance, a sector that runs a 20.1% net margin overall.
4,711 establishments employ 177,887 workers (37.8/location) at $132,587/yr average annual pay. Georgia leads employment, followed by Florida and New York.
Avg Payroll / Employee
$132,587/yr
Annual compensation
Establishments
4,711
Business locations
Release-over-release change
What changed from Census CBP 2022 to 2023
Employment increased by 3,993; establishment count decreased by 324. This comparison uses two published national Census County Business Patterns releases; suppressed fields are omitted rather than estimated.
Workforce scale
Financial Detail
- Annual Payroll (Total)
- $23.6B
- Avg Employees per Establishment
- 37.8
Top States by Employment
| State | Employment |
|---|---|
| Georgia | 13,893 |
| Florida | 10,181 |
| New York | 8,941 |
| Arizona | 8,577 |
| Tennessee | 4,046 |
| Maryland | 2,704 |
| Indiana | 1,459 |
| Minnesota | 1,449 |
| Wisconsin | 1,394 |
| Massachusetts | 781 |
Showing top 10 of 51 states
SBA Lending Activity
SBA FY2020–2026SBA Loans Approved
116
Total Loan Volume
$95M
Avg Loan Size
$822K
Jobs Supported
923
Program Breakdown
7(a) 107 (92%)
504 9 (8%)
Top SBA Lender
Newtek Bank, National Association
10 loans in this industry
New Business Share
14.7% of borrowers were new/startup businesses
Annual Lending Trend (7 yrs)
2020 11
2021 18
2022 16
2023 16
2024 18
2025 32
2026 5
Frequently Asked Questions
How profitable is Financial Transactions Processing, Reserve, and Clearinghouse Activities?
IRS SOI doesn't publish margin data at the NAICS 522320 level. Georgia leads this industry nationally. The broader Finance and Insurance sector runs a 20.1% net margin (IRS SOI 2023).
How many businesses are in Financial Transactions Processing, Reserve, and Clearinghouse Activities?
4,711 business establishments. Together they employ 177,887 workers.
What is the average payroll per employee in Financial Transactions Processing, Reserve, and Clearinghouse Activities?
$132,587/yr average annual pay per employee. Businesses average 37.8 employees per establishment.
Which states have the most Financial Transactions Processing, Reserve, and Clearinghouse Activities employment?
Georgia leads with 13,893 workers. Florida (10,181) and New York (8,941) round out the top three.
How much SBA lending does Financial Transactions Processing, Reserve, and Clearinghouse Activities receive?
Financial Transactions Processing, Reserve, and Clearinghouse Activities businesses received 116 SBA loans totaling $95 million between FY2020 and FY2026. The average loan size was $822K. These loans supported 923 jobs at origination. Most lending (92%) came through the SBA 7(a) program.
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: Its Census employment total exceeds 84% of that same 801-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 workforce scale
Same NAICS detail level, ordered by the smallest difference in reported Census employment.
- Finish Carpentry Contractors 177,042
- Sports and Recreation Instruction 176,751
- General Line Grocery Merchant Wholesalers 176,062
Benchmarking Financial Transactions Processing, Reserve, and Clearinghouse Activities
- No margin data, check the parent industry. Browse Finance and Insurance
- 4,711 establishments, 177,887 workers. Payroll benchmarks
- 116 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 522320 · 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.