The fine print
As of June 30, 2026. 4,239 banks, each counted once.
EveryBank, the mean
Everything every bank owns, divided by 4,239. The largest bank holds $4.09 trillion of it. It is divided by 4,239 too.
EveryBank, the median
The bank in the middle. Half of American banks are smaller.
Our hometowns
Stick a pin in a map for the main office of every bank in America. That is 4,239 pins.
Find the middle: half the banks are north of it and half south, half east and half west. You end up out in the country in Pike County, Missouri. The nearest town is Eolia, about five miles away, population 472. That is our median hometown. Eolia does not have a bank.
Now take the average of all the pins. You end up out in the country again, in Franklin County, Missouri. The nearest town is New Haven, about seven miles away, population 2,414. That is our mean hometown. New Haven has three banks.
Mark Twain grew up about 40 miles north of Eolia, in Hannibal. He liked to quote a line he credited to Disraeli: “There are three kinds of lies: lies, damned lies, and statistics.” Our hometowns are the third kind.
Bank locations come from a 2026 government survey of every bank branch. Towns and populations come from the U.S. Census.
Checking & Deposits
Checking, savings, money market, CDs. Every bank here takes deposits. That is how a bank gets in.
Loans & Mortgages
Median lends on houses, buildings and businesses, roughly in that order. Mean adds credit cards and cars.
Wealth & Trust
About 412 banks run a trust department. The average includes the other 3,827.
Capital Markets
About 77 banks trade currencies. About 396 have an interest-rate swap, usually a hedge, not a trading desk.
The farm
Farmland and farm operating loans. No other loan brings Mean and Median this close.
The herd
Cattle don't have a line on any report. They have Perry.
The house
Home loans, as a share of everything the typical bank owns. 16.5% in 2016. 16.9% now. A dip in 2021, when deposits flooded in.
The street
Mortgages a bank could sell tomorrow: $1.4 trillion. The 32 largest banks hold two-thirds. The 3,191 smallest hold 2.3%.
Take deposits & make loans
Every bank here takes deposits. 34 of them lend nothing.
Owner-occupied commercial real estate
The dentist's office, the supply warehouse, the church.
Federal Home Loan Bank advances
Half the banks borrow from the Home Loan Banks. Median is still deciding.
Any interest-rate swap
See Capital Markets.
Mortgage-banking income
Fees from making, selling and servicing home loans.
Hold trading assets
Median doesn't trade.