Largest banks in the US: Chase, Wells, and BofA run 12,800 branches. The other 4,490 community institutions are where the SaaS and compliance deals actually close.

Orbital's June 2026 snapshot tracks 4,500 insured commercial banks, down from over 14,000 in 1990. The top 10 by branch count account for about 42 percent of all US commercial-bank branches; the remaining 4,490 community and regional banks hold the other 58 percent. Branch count peaked around 99,000 in 2009 and has declined steadily since as the majors closed redundant retail locations. That branch-count lens is different from the asset lens most trade-press rankings use.

Many third-party datasets blend banks with mortgage originators, consumer-finance companies, and non-bank lenders, which inflates the count. Our number counts only insured depository institutions and their branches. That is the right denominator if you are selling into banks. If you also sell into mortgage lenders, finance companies, and credit unions, those are separate universes and we ship them separately.

JPMorgan Chase operates the largest US branch network at roughly 4,700 branches, followed by Wells Fargo at about 4,300, Bank of America at roughly 3,800, PNC at about 2,400, and U.S. Bank at roughly 2,200. The ordering changes slightly each quarter as the majors close legacy retail locations and open new ones in growth markets. JPMorgan has been the only major actively growing its branch footprint since 2018.

Yes, by institution count. The US had over 14,000 commercial banks in 1990 and roughly 4,500 today, a decline of two-thirds in 34 years. Most of the reduction came from community-bank mergers, not big-bank acquisitions. By branch count the picture is steadier because the regional and community banks that survived kept their branches open through the consolidations. Branch count peaked around 99,000 in 2009 and has declined substantially since as the majors closed redundant retail locations.

The top-10 table covers the national and super-regional banks. The other 58 percent of US branches, roughly 41,000 locations, belongs to about 4,490 community and regional banks under 100 branches each. That segment is where most B2B vendors actually win deals, because the top 10 are locked into Fiserv, FIS, and Jack Henry core platforms with long contracts. Request the sample and we cut the file to community banks only.

Yes. The dataset is filterable by state, metro, asset tier (under 1B, 1B to 10B, 10B to 100B, over 100B), charter type (national, state-chartered, savings), and parent holding company. Texas and California together hold the largest share of US bank branches. Tell us the cut you want when you request the sample and we ship a slice you can check against your own pipeline.

No. This page covers insured commercial banks only. The roughly 4,600 credit unions in the US are a separate universe with a different regulator, a different core-banking vendor landscape, and a different buying motion. We ship credit union data on a separate page; ask for it when you request the bank sample if you sell into both.

Three cases. First, if you sell to consumers directly (checking accounts, personal loans, retail mortgages), you want consumer-side data, not a B2B bank list. Second, if your motion is one annual contract with the top three banks, you need three relationship managers, not a large database. Third, if you only sell core-banking platforms above 10 million dollars in annual contract value, the long tail of sub-1B-asset community banks will not fit your unit economics. Save your budget and call us when a community-bank or regional motion opens up.