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NAICS 522180, industry

NAICS 522180: Savings institutions and other depository credit intermediation

NAICS 522180 is the industry code for savings institutions and other depository credit intermediation. Use it on loan applications, tax forms and registrations. Explore financing for professional services and start your application when you are ready.

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What 522180 covers

Savings institutions and other depository credit intermediation includes savings banks, savings and loans and industrial banks.

New code in NAICS 2022, combining savings institutions (522120) and other depository credit intermediation (522190).

Included in this code

  • Savings banks
  • Savings and loan associations
  • Industrial banks
  • Thrift institutions

Not this code

Businesses that use 522180

Savings bankIndustrial bank

Financing for this trade

Savings institutions raise capital through equity and holding company debt, and borrow from Federal Home Loan Banks. Lenders look at capital ratios.

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Is 522180 the right code for a savings bank?

Yes, if you operate a savings bank, savings and loan or industrial bank. Commercial banks use 522110. If your work overlaps, also read the definitions for 522110 (commercial banking) and 522130 (credit unions), then choose the code that matches your largest source of revenue.

What is the SBA size standard for 522180?

The SBA size standard for 522180 is $850M in total assets. SBA averages the assets reported on the institution's last four quarterly financial statements and includes affiliates. A savings bank under that line counts as small for federal small business contracts and other SBA size determinations, although lending and passive investment businesses are generally not eligible for SBA 7(a) loans.

How do savings institutions fund lending?

Savings banks rely on deposits and Federal Home Loan Bank advances, plus equity and holding company debt. Regulators and lenders review capital ratios, interest rate risk and asset quality. Most lenders want two years of tax returns, year to date financial statements and a current debt schedule, and they size payments so cash flow covers debt service comfortably.

What does NAICS 522180 cover?

Savings institutions and other depository credit intermediation. Industry level code in NAICS 2022, under 52 Finance and insurance, 522 Credit intermediation and related activities, 5221 Depository credit intermediation, 52218 Savings institutions and other depository credit intermediation.

What financing do NAICS 522180 businesses use?

Equipment financing, working capital, SBA loans and invoice factoring are the products placed most for professional services businesses. Start an application and the AI matches the deal to lenders that fund this code.

Where do I put NAICS 522180?

On the SBA loan application, on federal Schedule C or Form 1120, on SAM.gov and state registrations, and on most lender applications. A business can report more than one code; use this one if it describes what produces most of your revenue.