Survey Data Hub – US Bank Outlook Survey, Q3 2025
This survey tracks the state of US banks, lending, credit quality, deposits and the overall economy. Data points from the S&P Global Market Intelligence US Bank Outlook Survey include average deposit rates for a variety of financial products, credit quality and the overall economy.
The online survey of 105 US commercial banks and thrifts was conducted Sept. 2 to Oct. 7, 2025. The margin of error for top-line statistics is +/- 9 points at the 95% confidence level.
Reports
Bankers expect deposit competition to rise over the next 6 months (Spotlight)
The majority of US bankers anticipate competition for deposits to intensify over the next six months, according to S&P Global Market Intelligence's third-quarter 2025 US Bank Outlook Survey. Many US banks reduced deposit costs and improved their net interest margins in the third quarter as the Federal Reserve cut interest rates for the second time this year.
Bankers expect tempered loan growth amid mixed economic outlook (Spotlight)
US bankers expect tepid loan growth over the next year because of labor market wobbles, the impact of tariff policies taking hold and doubts on the underlying strength of the economy as inflation moves further away from the Federal Reserve's 2% target.
Data files
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
Data Insights Deck (PowerPoint charts | Coming soon) – PowerPoint slide deck of advanced charts supporting deeper analysis and insight.