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Statement Studies

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Enhance financial decision making at your organization through reliable benchmarking data

Financial and risk professionals need high-quality benchmarking data to make smarter financial and operational decisions. RMA Statement Studies® is the only source of comparative industry benchmark data on small and medium-sized borrowers and our data comes directly from RMA’s member institutions. 



RMA Members: The 2023 Submission Campaign is Coming Soon


Trusted Resource

A staple credit risk tool for more than 100 years, with historical and comparative financial data of US-based businesses since 1919

Comprehensive Tool

More than 20 key financial ratios as well as balance sheet, income statement, and cash flow line items are available from more than 140,000 statements

Industry Data

Tracking more than 580 industries both nationally and regionally based on the North American Industry Classification System codes

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Download an example of our Statement Studies industry benchmarking report.

Download a Sample

RMA Statement Studies are Available in Three Easy Formats 



eStatement Studies


Individual Download


Online via Single Sign On Printed Book PDF Download

Use if...

you require unlimited industry access, on a more frequent basis

you require access to multiple industries on a less frequent basis, via traditional, soft cover book

you require limited access to a specific industry

Financial Ratio Benchmarks  

Industry Default Probabilities


Number of Industries

580 580 1

Availability of Historical Data

24 years 5 years 5 years
Sector Reports 2,000+ - -

Regional Reports

- -

Excel/ Client Comparison Worksheets

- -

Bonus Metrics, i.e. EBITDA

- -



Additional Information on Statement Studies

Financial Ratio Benchmarks (2022-2023):

This introductory document will help you understand and interpret financial ratio benchmarks. It details the presentation of the report, including header, footer, and line item explanations; ratio definitions; formulas; and quartile commentary.


Industry Default Probabilities and Cash Flow Measures (2022-2023):

This introductory document will help you understand and interpret the Industry Default Probabilities report. This document details presentation of the report, including header, footer, and line item explanations; ratio definitions; and formulas.


Look Up My NAICS:  

The North American Industry Classification System (NAICS) section of the U.S. Census website is a reliable resource for learning more about these standards and how to determine what NAICS code you should be using.


2022-23 Industry List:

A full list of the industries that have been included in the 2021-22 Annual Statement Studies.


Software Companies Interested in Licensing:

Please email

Contact Us

Speak to our Statement Studies team to learn more about the Statement Studies suite of offerings, and which is best for your needs, or how your institution can be included in the next data compilation.

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Researchers get easy access to historical and current data and reports per industry via RMA’s Statement Studies, the go-to benchmark resource.




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