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NAICS Code· 522110

Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and making commercial, industrial, and consumer loans. Commercial banks and branches of foreign banks are included in this industry. Cross-References.Show more

NAICS 522110 – Commercial Banking encompasses financial services provided by institutions that accept deposits, extend loans, manage payment systems, and offer other core banking functions to businesses and individuals. In the government contracting context, this sector supports federal operations through treasury services, payroll processing, electronic funds transfers, escrow management, and secure financial infrastructure for agency transactions.

11
Active Contracts
$253.0M
Total Obligations (12mo)
15
Awarded Contracts (12mo)
9
Contractors Awarded (12mo)
+1.0%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522110.

AI Industry Description

NAICS 522110 – Commercial Banking encompasses financial services provided by institutions that accept deposits, extend loans, manage payment systems, and offer other core banking functions to businesses and individuals. In the government contracting context, this sector supports federal operations t...

NAICS 522110 – Commercial Banking encompasses financial services provided by institutions that accept deposits, extend loans, manage payment systems, and offer other core banking functions to businesses and individuals. In the government contracting context, this sector supports federal operations through treasury services, payroll processing, electronic funds transfers, escrow management, and secure financial infrastructure for agency transactions. Commercial banks may also provide specialized services such as fiduciary administration for trust accounts, cash management for federal grants, and compliance with federal financial regulations like the Bank Secrecy Act and Anti-Money Laundering requirements. While not typically a direct procurement category for equipment or software, commercial banking services are critical enablers of federal financial operations, often contracted through interagency agreements or as part of broader financial services frameworks. No contractor data is available for this NAICS code based on current government contracting records, indicating limited direct procurement activity or that services are delivered through indirect channels such as Treasury or GSA schedules rather than standalone contracts. No agency data is available for this NAICS code, suggesting that while commercial banking services are essential to federal financial operations, they are typically procured through centralized financial management systems or as embedded services rather than through discrete contract awards. The competitive landscape is dominated by large national and regional banks with established federal compliance frameworks, though small businesses with niche expertise in government financial systems may find opportunities in supporting specialized agency needs. Market opportunity density is low for direct contracting but high for indirect engagement through financial service partnerships, particularly where agencies require secure, scalable, and auditable banking infrastructure. Contractors should focus on alignment with federal financial standards and integration with existing Treasury systems to access this embedded market.

Top Contractors

Companies with the highest total award value under NAICS 522110, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
CITIBANK, NATIONAL ASSOCIATION$184.0M1
CITIBANK, N.A.$50.0M3
EDUCATIONAL COMPUTER SYSTEMS, INC. Moon Township PA USA$9.4M1
EDUCATIONAL COMPUTER SYSTEMS, INC.$5.9M1
U.S. BANK NATIONAL ASSOCIATION$3.6M5
ARMED FORCES BANK, NATIONAL ASSOCIATION$32K1
INDUSTRIAL BANK$11K1
PRINCIPAL BANK$5001
MISCELLANEOUS FOREIGN AWARDEES$01

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522110.

Department Of State3 awards$234.0M
Fsa Acquisitions Office1 award$9.4M
Department Of Education1 award$5.9M
Department Of Veterans Affairs2 awards$2.5M
Department Of Health And Human Services1 award$850K
Department Of Energy1 award$295K
Department Of Defense1 award$32K
District Of Columbia Courts1 award$11K
Securities And Exchange Commission1 award$500
Department Of Homeland Security1 award$500

Related NAICS Codes

Industries similar to Commercial Banking, by shared sector, subsector, and industry group.

Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in coo...
522130Same Industry GroupHigh Similarity

Savings Institutions and Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits, making mortgage, rea...
522180Same Industry GroupHigh Similarity

Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards...
522210Same SubsectorMedium Similarity

Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in co...
522220Same SubsectorMedium Similarity

Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to cons...
522291Same SubsectorMedium Similarity

Real Estate Credit

This U.S. industry comprises establishments primarily engaged in lending funds with real estate as c...
522292Same SubsectorMedium Similarity

International, Secondary Market, and All Other Nondepository Credit Intermediation

This U.S. industry comprises (1) establishments primarily engaged in providing working capital funds...
522299Same SubsectorMedium Similarity

Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers an...
522310Same SubsectorMedium Similarity

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NAICS 522110 FAQ

Frequently Asked Questions

NAICS code 522110 covers Commercial Banking. This industry comprises establishments primarily engaged in accepting demand and other deposits and making commercial, industrial, and consumer loans. Commercial banks and branches of foreign banks are included in this industry. Cross-References.

Recently Posted in Commercial Banking

NAICS: 522110
New
SLED
NASPO Washington Commercial Card ServicesWashington and NASPO are issuing a request for information to gather detailed insights from vendors in the commercial card services industry, aiming to better understand market capabilities and offerings. The solicitation, identified as RFI-AAEA-2027000004-1, was posted on July 15, 2026, with responses due by 11:00 PM ET on July 24, 2026. Vendors are directed to submit information through the designated portal at https://pr-webs-vendor.des.wa.gov/, while primary contact for questions is Jolene Haney at jolene.haney@des.wa.gov. The procurement is categorized under SLED government contracting and is managed by the Division of Accounts and Control in Colorado, with Amy Risley listed as the buyer and the primary point of contact via amy.risley@state.co.us. The place of performance and specific city details are not defined, indicating flexibility in service delivery, and the solicitation does not specify a NAICS code or set-aside type. Additional information can be accessed through the Colorado Advantage procurement portal at https://prd.co.cgiadvantage.com/PRDVSS1X1/Advantage4.
DPA - Division Of Accounts And Control

POSTED

2 days ago

DEADLINE

in 7 days
View Details
NAICS: 522110
New
SLED
Banking Services (RFP 26-09)The City of Norcross is soliciting competitive sealed proposals from qualified financial institutions to provide comprehensive municipal banking and purchase card services, aiming to foster a long-term partnership that enhances efficiency, productivity, and fiscal discipline. The selected institution will be awarded an initial five-year contract with the potential for two one-year extensions, subject to performance and mutual agreement. Applicants must meet all minimum qualifications outlined in the solicitation and demonstrate the ability to deliver full-service banking solutions tailored to municipal needs. Proposals must be clearly labeled as RFP 26-09 BANKING SERVICES and submitted in triplicate—two printed copies and one electronic copy on a USB drive—to the designated address by 12:00 p.m. Eastern Time on August 12, 2026. All inquiries must be sent via email to procurement@norcrossga.net no later than 5:00 p.m. Eastern Time on the same date, and submissions must be directed to Charlene Marsh, Procurement & Capital Projects Manager at the City of Norcross Public Works Department.
City of Norcross

POSTED

7 days ago

DEADLINE

in 26 days
View Details
NAICS: 522110
SLED
Credit Support and Financial Assurance ServicesLouisiana Tech University is seeking financial assurance services to support contract performance through credit-based instruments such as letters of credit, cash deposits, or corporate guarantees, tailored to match assessed credit exposure levels. The solicitation, classified under NAICS code 522110 and categorized as a subcontract, invites qualified providers to submit proposals by August 3, 2026, to ensure robust financial backing for contractual obligations. The service scope is focused on mitigating financial risk by providing reliable, institutionally accepted forms of security, with performance expected to align with the university’s risk management and procurement standards. The opportunity is open without specific set-aside designations, and all proposals must be submitted through the provided online portal by the stated deadline.
Louisiana Tech University

POSTED

8 days ago

DEADLINE

in 17 days
View Details
NAICS: 522110
SLED
RFP#061826 - Funding: Vinton War Memorial RemodelThe Town of Vinton, Virginia is seeking proposals for a direct bank loan secured by either a Tax-Exempt or Taxable General Obligation Bond, Series 2026, with a maximum principal amount of $2,500,000. The funds raised through this financing will be used exclusively for capital improvements to the Town-owned and maintained War Memorial building and grounds, as well as to cover the expenses associated with issuing the bond. All project expenditures are expected to be completed and the loan proceeds fully utilized within twelve months of closing, ensuring timely execution of the planned upgrades. The bond issuance is structured as a general obligation, implying the Town’s full faith and credit backing, and the scope of work is focused on preserving and enhancing a community landmark. Proposals must be submitted by the deadline of July 20, 2026, and the solicitation was posted on July 8, 2026, under RFP number RFP-123933. The Town welcomes responses from qualified financial institutions capable of structuring and providing the required financing under the terms outlined. Point of contact for inquiries is Tiffany Stewart, reachable via email or phone, and all proposals must adhere to the requirements specified in the solicitation. The project is located at the War Memorial in the Town of Vinton, Virginia, and the financing mechanism is designed to align with municipal capital project standards, supporting long-term community infrastructure investment.
Town of Vinton

POSTED

9 days ago

DEADLINE

in 3 days
View Details
NAICS: 522110
Closed
Federal
Accelerated Payments to Small Business SubcontractorsThe contract titled Accelerated Payments to Small Business Subcontractors requires the administration of expedited payment processes for small business subcontractors in accordance with FAR 52.232-40, ensuring timely disbursement of funds to meet small business financial obligations. This is a Total Small Business Set-Aside under SBA guidelines, meaning only small business concerns qualifying under FAR 19.5 are eligible to bid, and the North American Industry Classification System code 522110 indicates the work pertains to real estate credit activities, likely involving financial services or lending support related to subcontractor payment logistics. The opportunity is managed by the Sflc Procurement Branch 1 under the Department of Homeland Security with a response deadline of July 10, 2026, and was posted on July 6, 2026, indicating a short turnaround for proposed solutions that align with federal payment acceleration mandates.
Sflc Procurement Branch 1(00080)

POSTED

11 days ago

CLOSED

7 days ago
View Details
NAICS: 522110
Closed
SLED
Primary Depository ServicesThe City of Liberty Hill, Texas, is soliciting qualified individuals, firms, or corporations to provide primary depository services under solicitation number S2026-005, which was posted on June 10, 2026, with a response deadline of July 1, 2026. This solicitation, classified under NAICS code 522110 and targeted at SLED entities, is open to responders who must submit proposals exclusively through the Bonfire Portal at libertyhilltx.bonfirehub.com. The point of contact for the solicitation is Kelly Wenzel, Procurement Administrator, and Josh Armstrong, Finance Director, both reachable via phone and email provided. The place of performance is indicated as the State of Florida, though no further details on delivery schedule, period of performance, or FOB terms are available. The contract value is not disclosed, and no specific pricing, deliverables, inspection criteria, packaging requirements, or evaluation factors are outlined in the metadata provided. Respondents are responsible for regularly monitoring the Bonfire portal for any addenda or updates to the solicitation, as failure to do so does not relieve them of compliance obligations. All necessary documentation, including detailed specifications and terms, is expected to be found only within the full solicitation on the Bonfire portal, and no attachments, certifications, or contract clauses are included in the provided information.
CITY OF LIBERTY HILL

POSTED

16 days ago

CLOSED

16 days ago
View Details
NAICS: 522110
SLED
RFP Banking Services Charleston Water SystemThe Charleston Water System is soliciting banking services through a Request for Proposal with the intent to establish a five-year contract, supplemented by two one-year renewal options, to support its financial operations in South Carolina. The solicitation seeks financial institutions capable of delivering cost-effective, innovative banking solutions that address evolving cash management needs and leverage technological advancements. Respondents are expected to demonstrate a clear understanding of public sector financial challenges and present actionable strategies for improving current practices, with the contract performance location firmly situated within South Carolina. The solicitation number is 2153, posted on July 1, 2026, with proposals due by July 30, 2026, and the point of contact for inquiries is Kay Kelly at kellyk@charlestoncpw.com. The NAICS code for this procurement is 522110, indicating it falls under the category of depository credit intermediation. Although the solicitation references a Request for Qualifications (RFQA) structure in some associated documentation, the official title and context clearly align with a procurement for banking services, not engineering work, and the required submissions are expected to focus on financial capability, innovation, and service delivery rather than technical engineering qualifications. Supporting documentation includes a Project Manual updated to Version 2 and a set of required fillable PDF forms such as the Information of Bidder and Non-Collusion affidavit, which bidders must complete and submit electronically. The procurement does not specify line items, pricing structures, or evaluation weightings, indicating a focus on qualitative assessments of the provider’s approach, experience, and capacity to modernize financial operations. No detailed contractual clauses, inspection protocols, or payment terms are provided in the available data, and while some referenced materials appear to pertain to unrelated projects bearing the same solicitation number, the official metadata and description govern this specific banking services procurement.
Charleston Water System

POSTED

16 days ago

DEADLINE

in 13 days
View Details
NAICS: 522110
SLED
Financial Assurance & Letter of Credit AdministrationThe City of Spokane is seeking financial assurance through the issuance of a letter of credit to ensure contractual obligations are met, as part of a subcontract under NAICS code 522110, which relates to real estate credit activities. The requirement mandates that interested parties provide a letter of credit demonstrating sufficient financial responsibility, serving as a guarantee of performance or payment under the terms of the agreement. This solicitation is open to qualified subconductors who can meet the specified financial assurance criteria, with responses due by August 25, 2026. The process is administered through the City’s procurement platform, and no set-aside designation or organization type restrictions are specified, making the opportunity broadly accessible to eligible entities. Interested parties must submit the required documentation prior to the deadline to be considered for award.
City of Spokane

POSTED

23 days ago

DEADLINE

in about 1 month
View Details
NAICS: 522110
SLED
Mitigation Trust Fund & Financial Assurance ManagementThe contract involves administering a $9.7 million financial assurance mechanism, such as an irrevocable letter of credit, to secure mitigation obligations tied to environmental or regulatory compliance efforts. This includes managing the financial instruments in coordination with banks, legal counsel, and the California Department of Fish and Wildlife to ensure obligations are met according to applicable laws and timelines. The role requires ongoing oversight, documentation, and communication across multiple stakeholders to maintain the integrity and availability of the financial assurance throughout the project’s lifecycle. The contract is classified as a subcontract under NAICS code 522110, which pertains to financial investment activities related to trust and fiduciary services. It is issued by the City of Palmdale under the state of California, with performance tied to environmental mitigation requirements in the region. The work is expected to begin in mid-2026 and will demand precise financial management, adherence to legal standards, and consistent alignment with state regulatory agencies to avoid default or noncompliance. The success of this arrangement hinges on timely, accurate administrative oversight and proactive engagement with all parties involved in the mitigation process.
City of Palmdale

POSTED

23 days ago

DEADLINE

N/A
View Details
NAICS: 522110
Closed
SLED
RFP # 2026-068 - Corporate Credit Card Program for Travel-Related Expenses - Closing: 7/8/2026 2:00 PMThe Superior Court of California, County of Los Angeles is seeking qualified vendors to provide a Corporate Credit Card Program specifically for travel-related expenses, aiming to streamline and standardize payment processes for eligible official travel. Proposals must be submitted through the Court’s dedicated e-Procurement platform, BonfireHub, with the solicitation closing on July 8, 2026, at 2:00 PM Pacific Time. The opportunity is classified under NAICS code 522110 and is open to vendors without any specific set-aside requirements. The program will serve the needs of the Los Angeles County court system, with performance expected to be centered in Los Angeles, California. All communications and inquiries regarding this solicitation should be directed to Rachel Cavazos, the designated point of contact, via email or phone. The solicitation number is 230661, and the official posting date is June 19, 2026. Vendors must ensure they access the opportunity exclusively through the provided BonfireHub link and not through the Los Angeles County website, as this RFP is not hosted or managed on official county portals. Proposals must comply with all submission guidelines and deadlines outlined in the solicitation documents on the designated platform, and vendors are encouraged to review all requirements thoroughly before submitting their responses.
Los Angeles County

POSTED

28 days ago

CLOSED

9 days ago
View Details
NAICS: 522110
Closed
SLED
Request for proposal to operated an Automatic Teller Machine at the campus of the Caswell Developmental Center in Kinston NC.The State of North Carolina, through its Property Office on behalf of the Department of Health and Human Services, is soliciting proposals from banking and financial institutions to provide and operate an Automated Teller Machine (ATM) at the Caswell Developmental Center in Kinston, North Carolina. The solicitation, identified as SPO-54-6D33, requires proposers to lease approximately 120 square feet of space on the campus at 2415 W. Vernon Avenue, with the facility provided “as is” and all associated improvements, installations, and up-fits to be funded entirely by the proposer. The contract will have a minimum initial term of three years, with renewal possible by mutual agreement, and payment will be structured as an annual flat-rate rent in Year 1, with mandatory annual increases of at least 2% beginning in Year 2; any rental structure based on uncapped indices such as the CPI is prohibited. All financial transactions and rental payments must be made monthly, due by the 10th of each month, with late payments subject to interest and a 5% fee if delinquent beyond 90 days. Proposers must demonstrate sufficient funds, proven ability to execute the proposal, and the desirability of how their operation complements the Caswell Center’s overall mission. The selection will be based on the best interest of the State, considering factors including timeliness, prior performance, and maintenance of the site. Comprehensive insurance coverage is required, including general liability with limits of $1 million per occurrence and $3 million aggregate, product liability of $1 million per person, workers’ compensation, and automobile liability—all with the State of North Carolina named as an additional insured and with 30 days’ written notice required prior to cancellation. The lessee must indemnify the State against all claims arising from ATM operations, shutdowns, or any activity on the premises, and bear full cost for all security measures. Compliance with local, state, and federal laws is mandatory, and corporate entities must maintain active registration with the North Carolina Secretary of State. The ATM cannot be used for commercial advertising by the proposer, and external signage is permitted only with approval from the center manager. Electronic submission through the NC eProcurement Portal is mandatory by July 8, 2026, at 4:00 PM ET, with failure to follow formatting, naming, or submission rules leading to rejection.
State of NC - Property Office

POSTED

about 1 month ago

CLOSED

9 days ago
View Details
NAICS: 522110
Closed
SLED
RFP for municipal financing to support 2026 Polk County, WI capital projectsPolk County, Wisconsin is seeking proposals for a $2,250,000 bank loan to finance capital projects scheduled for completion in 2026, in accordance with authorization via Resolution 28-25 and under the authority of Wisconsin Statutes. The County, operating under a County Administrative form of government, intends to secure a loan with a ten-year repayment term, with an anticipated closing date of July 15, 2026. Proposals must detail interest rates—whether fixed or variable—as well as amortization schedules, payment frequency, fees, issuance costs, prepayment penalties, security or collateral requirements, and conditions precedent to closing. The County is exempt by statute from certain taxes and will evaluate proposals based on the cost of financing, clarity and completeness of terms, amortization and repayment flexibility, demonstrated experience with Wisconsin municipal lending, and the timing and feasibility of closing, with award decisions made at its sole discretion. The County reserves the right to reject any or all proposals, waive minor irregularities, or negotiate terms in its best interest. All submissions must be delivered electronically in PDF format through the PublicPurchase portal by June 26, 2026, at 4:30 p.m. Central Time, with inquiries directed to financeoffice@polkcountywi.gov before June 19, 2026. The scope of funded projects includes public infrastructure improvements, facility construction or renovation, capital equipment purchases, and other eligible capital expenditures permitted under Wisconsin law. The County’s Aa2 credit rating from Moody’s underscores its financial stability and capacity to service debt.
County of Polk

POSTED

about 1 month ago

CLOSED

21 days ago
View Details

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