For most regional banks, the business model is pretty simple. Make loans, accept deposits, and provide some add-on services to help clients manage their finances. This is true for regionals across the country, from BB&T (NYSE:BBT), to Keycorp (NYSE:KEY)

In this traditional model, revenue growth is primarily a function of two factors -- loan growth, and the margin banks yield on the loan portfolio. In the video below, Motley Fool contributor Jay Jenkins takes a closer look at these two factors at US Bancorp (NYSE:USB), to see how the bank stacks up against its peers, and to assess what the future may hold.