#The News
The J.D. Power 2025 U.S. Small Business Banking Satisfaction Study indicates increased satisfaction among small business owners towards their banks, marking a three-year high in customer satisfaction. Capital One leads the study, achieving a satisfaction score of 737 for the third consecutive year. Other top performers include Fifth Third Bank with a score of 729 and Chase at 726. The study, conducted from June to August 2025, involved 6,589 small business owners who utilize business banking services.
Despite the positive sentiment, concerns regarding debt and creditworthiness are emerging. The percentage of small business owners reporting excellent credit scores fell to 35%. Additionally, only 57% are able to pay all their bills on time, down 2 percentage points from the previous year. Business owners express concerns over inflation (50% worry), tariffs (37%), interest rates (37%), and hiring practices (27%). Financial health support from banks has improved, with 61% of small business owners reporting they received advice that positively impacted their financial habits.
#Market Impact
Investors should monitor implications for financial sector performance due to improved customer satisfaction and concerns over creditworthiness among small businesses. Capital One's sustained leadership in the study may bolster its market position.
#What’s Next
Investors should track the next earnings releases and any guidance from Capital One or other leading banks in the upcoming quarters.
#Investor Takeaway
Credit concerns among small businesses may affect lending dynamics in the financial sector.