NAICS 522110 commercial banking obligations

Bank-service contracts, not credit outstanding

NAICS 522110 is commercial banking. Contracting officers assign it when the principal purpose is commercial-bank services as the Census class groups them — depository banking, related treasury services, and similar bank operations sold under contract. This $1,442,969,290.54 is that finance tag. It is not a tally of federal loans outstanding, not FDIC-insured deposits, and not a Treasury auction result.

One hundred twenty-two awards produced a mean of about $11.8 million. That is among the more concentrated books in this extract: few award identifiers, a high mean, consistent with large banking-service vehicles rather than thousands of small invoices. The packet does not count accounts, branches, or interest rates.

Other activities related to credit intermediation are a residual 522 class, not this commercial-banking code. A specialized credit-intermediation contract tagged elsewhere does not sit in $1.4 billion under 522110. Those 122 awards are the commercial-banking book as tagged, not a count of bank branches serving federal deposits.

Why 122 awards matter

The 122-award count is the distinctive shape of this hub. Dividing $1,442,969,290.54 by 122 awards is a mean obligation per award identifier, not a loan size and not a fee per account.

Banking-service contracts often obligate estimated program values and pay as services accrue. Unused option years leave obligated balances unpaid. Treating $1.4 billion as fees already posted would overstate cash.

What this total excludes

Assistance that funds community-development lending often lacks NAICS and does not enter $1,442,969,290.54. The Federal Reserve and Treasury operating their own systems are not 522110 contracts. Credit unions and other depository classes are separate NAICS families if tagged that way.

Investment banking and securities classes are not commercial banking. Mixed treasury-and-advisory vehicles follow the principal NAICS the officer selected. Treasury services, depository banking, and related bank operations sold under contract can share 522110. The $1,442,969,290.54 total does not split those services across the 122 awards.

How to use the 522110 hub

Read $1.4 billion and 122 awards as the commercial-banking tag, then open the commercial banking industry page for award-level fields. Rank 522 credit-intermediation codes on the all-industries index without converting this bank class into a loan-book or deposit-insurance total.

This guide does not add interest-rate tables because they are not in the facts object. A securities or investment-banking award tagged to another finance class is not this commercial-banking book. Quote obligations, not loans outstanding, and keep deposit-insurance totals out because they are not in the facts object.

Classification limits

Commercial banking is not residual credit intermediation and not a securities class. SpendingVault reports the tagged 522110 sum.

Extract updates will move $1,442,969,290.54 and 122 with USAspending.

Bank-service ceilings versus loans outstanding

One hundred twenty-two awards at $1,442,969,290.54 produce a mean of about $11.8 million, one of the most concentrated books in this batch. Commercial-banking contracts in USAspending are tagged bank services, not a ledger of federal credit outstanding. Deposit insurance, Treasury auctions, and central-bank operations are not this industry total. Residual credit-intermediation NAICS codes, when used, live on other hubs. The packet does not count accounts, branches, or interest rates.

Assistance that funds community-development lending often omits NAICS and stays outside $1,442,969,290.54. Investment banking and securities classes are not commercial banking. Open the commercial banking industry page for award-level fields behind the $1.4 billion. Rank 522 credit-intermediation codes on the all-industries index without converting this tag into a loan book. Cite USAspending.gov. Unused option years mean obligated bank-service dollars can exceed fees already posted. Extract updates will move both the dollars and the 122-award count. A searcher asking how much the federal government spent on banks should still separate commercial-bank service contracts from credit outstanding. The $1,442,969,290.54 figure answers the NAICS 522110 question only. The 122-award count answers how many award identifiers carried that tag, not how many accounts existed. Open the commercial banking industry page, then compare other 522 credit-intermediation codes on the all-industries index. Keep the language to obligations recorded in USAspending.gov, and do not convert the mean of about $11.8 million into a loan size.

Questions

How much is obligated under NAICS 522110?

Commercial banking contracts in USAspending show $1,442,969,290.54 in obligations across 122 awards. That is a commercial-bank services tag, not loans outstanding and not deposit insurance. The figure is obligations, not outlays. Assistance without a NAICS code is excluded from this industry extract.

What is the average commercial-banking award?

Dividing $1,442,969,290.54 by 122 awards yields about $11.8 million. That mean often reflects large banking-service vehicles rather than a small account fee. It is not a loan size and not a fee per account. The packet does not publish a median or a count of accounts.

Does this include federal lending programs?

Only contract actions tagged 522110. Credit programs and guarantees are not this industry total unless tagged here. Residual credit-intermediation NAICS codes are different classes. This $1.4 billion is the commercial-banking tag. Use agency and program pages for lending views instead of this industry hub.

Are these dollars already paid to banks?

No. USAspending reports obligations on this hub, not outlays. Open program years and unused options can leave balances unliquidated after the award is recorded. The 122-award count is not a proof of fees posted. Cite USAspending.gov for the tagged extract on SpendingVault.