Assets and Liabilities of Commercial Banks in the United States [June 2025]

Commercial banks play a crucial role in the financial system of the United States by accepting deposits, providing loans, and facilitating payment systems. To understand the stability and performance of these banks, it is essential to examine their assets and liabilities, which are key components of their balance sheets.

Assets represent what banks own or the claims they hold — including loans, securities, and reserves. On the other hand, liabilities reflect what banks owe — primarily customer deposits and borrowed funds. The balance between these two sides determines a bank’s financial health, risk exposure, and its ability to support economic growth.

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