20 bank holding companies with the largest consumer loan portfolios

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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
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