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Subscribe Now The top five bank holding companies in the ranking had combined total consumer loan portfolios of more than $1.95 trillion as of Dec. 31, 2024. Most of the top 20 increased their loans over the previous year, with one seeing an increase of 8.6%.
Scroll through to see which bank holding companies are in the top 20 and how they fared in the 12 months ended December.
Source: S&P
Banks with the largest consumer loan portfolios
| Rank | Company
name | Total consumer
loans
2024 Q4
(000) | Total consumer
loans
2023 Q4
(000) | YOY
change
| Gross loans
and leases
2024 Q4
(000) | Gross loans
and leases
2023 Q4
(000) |
| 20 | M&T
Bank | $47,371,675 | $44,138,490 | 7.3% | $135,670,929 | $134,180,286 |
| 19 | Goldman
Sachs | $50,889,000 | $49,063,000 | 3.7% | $274,021,000 | $255,763,000 |
| 18 | Santander | $53,263,983 | $55,087,861 | -3.3% | $87,947,867 | $93,207,327 |
| 17 | Huntington
Bank | $57,448,637 | $54,285,994 | 5.8% | $130,695,679 | $122,498,124 |
| 16 | UBS | $66,340,534 | $64,390,732 | 3.0% | $96,236,772 | $94,178,270 |
| 15 | Citizens
Bank | $69,461,739 | $70,813,845 | -1.9% | $140,207,536 | $146,993,725 |
| 14 | Ally Bank | $93,984,000 | $96,797,000 | -2.9% | $136,190,000 | $141,779,000 |
| 13 | TD Bank | $95,767,806 | $93,168,472 | 2.8% | $200,414,125 | $202,071,428 |
| 12 | PNC Bank | $99,939,794 | $101,328,296 | -1.4% | $317,338,388 | $322,261,788 |
| 11 | Synchrony
Bank | $102,788,000 | $101,020,000 | 1.8% | $104,721,000 | $102,988,000 |
| 10 | Morgan
Stanley | $105,214,000 | $97,150,000 | 8.3% | $299,627,000 | $271,187,000 |
| 9 | Discover | $120,927,210 | $128,204,261 | -5.7% | $121,123,099 | $128,413,791 |
| 8 | Truist Bank | $121,616,000 | $120,638,000 | 0.8% | $307,771,000 | $313,341,000 |
| 7 | American
Express | $139,843,000 | $128,787,000 | 8.6% | $209,075,000 | $193,492,000 |
| 6 | U.S. Bank | $189,972,000 | $186,502,000 | 1.9% | $382,405,000 | $376,036,000 |
| 5 | Capital
One | $226,518,264 | $216,590,406 | 4.6% | $327,977,576 | $321,325,283 |
| 4 | Citibank | $310,558,000 | $300,647,000 | 3.3% | $711,905,000 | $701,080,000 |
| 3 | Wells
Fargo | $369,328,000 | $382,006,000 | -3.3% | $915,418,000 | $939,825,000 |
| 2 | Bank of
America | $444,646,000 | $442,035,000 | 0.6% | $1,156,551,000 | $1,100,493,000 |
| 1 | JPMorgan
Chase | $608,069,000 | $610,996,000 | -0.5% | $1,399,917,000 | $1,371,587,000 |
