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.

Fool contributor Jay Jenkins has no position in any stocks mentioned. The Motley Fool owns shares of KeyCorp. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.