Owner occupied commercial real estate loans finance properties used by the borrower’s own business. BestCRE ranks banks by reported loans secured by owner occupied nonfarm nonresidential properties, a category that includes business premises rather than income property held primarily for investment. The table covers 50 banks with $323.6 billion in owner occupied loans. Their combined commercial real estate portfolios total $1.34 trillion, including $170.0 billion of construction and land loans, $341.1 billion of multifamily loans and $503.0 billion of investor nonfarm nonresidential loans.
The ranking is based on FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026. The balances are reported as of June 30, 2026. Across all 4,167 banks, total commercial real estate loans were $3.07 trillion. The table does not show quoted loan terms, pricing or approval standards. It shows reported portfolio size, mix, annual change, loan concentration and headquarters, giving borrowers a consistent starting point for identifying banks that hold meaningful owner occupied commercial real estate exposure.
Banks ranked by owner occupied CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Bank of America, N.A. | Charlotte, NC | $79,906 | $9,681 | $8,465 | $24,700 | +6.1% | 6.6% |
| 2 | Wells Fargo Bank, N.A. | Sioux Falls, SD | $121,623 | $12,464 | $26,549 | $17,825 | +0.3% | 12.2% |
| 3 | Truist Bank | Charlotte, NC | $51,018 | $7,610 | $8,652 | $17,780 | +4.9% | 15.4% |
| 4 | First-Citizens Bank & Trust Company | Raleigh, NC | $38,808 | $7,338 | $2,967 | $16,840 | +0.9% | 25.7% |
| 5 | JPMorgan Chase Bank, N.A. | Columbus, OH | $179,847 | $18,789 | $107,317 | $14,363 | +4.6% | 11.5% |
| 6 | The Huntington National Bank | Columbus, OH | $37,932 | $5,322 | $4,884 | $13,331 | +109.8% | 19.8% |
| 7 | Fifth Third Bank, N.A. | Cincinnati, OH | $33,581 | $7,971 | $4,143 | $11,997 | +104.4% | 18.7% |
| 8 | Manufacturers and Traders Trust Company | Buffalo, NY | $34,665 | $3,351 | $7,115 | $10,556 | +0.6% | 24.2% |
| 9 | PNC Bank, N.A. | Wilmington, DE | $47,133 | $5,261 | $14,980 | $10,376 | +14.3% | 12.8% |
| 10 | Pinnacle Bank | Nashville, TN | $36,789 | $5,890 | $4,865 | $9,453 | +123.7% | 41.5% |
| 11 | U.S. Bank, N.A. | Cincinnati, OH | $50,718 | $9,378 | $14,458 | $9,005 | +10.2% | 12.3% |
| 12 | First Horizon Bank | Memphis, TN | $22,518 | $1,632 | $3,722 | $8,789 | +0.2% | 34.2% |
| 13 | Zions Bancorporation, N.A. | Salt Lake City, UT | $23,684 | $3,223 | $3,562 | $8,635 | +2.0% | 37.9% |
| 14 | BMO Bank, N.A. | Chicago, IL | $28,802 | $4,486 | $3,158 | $8,136 | +3.8% | 20.3% |
| 15 | SouthState Bank, N.A. | Winter Haven, FL | $28,266 | $2,928 | $2,717 | $7,848 | +6.9% | 55.2% |
| 16 | Valley National Bank | Passaic, NJ | $30,353 | $2,484 | $9,034 | $7,688 | +5.2% | 57.8% |
| 17 | Columbia Bank | Roseburg, OR | $26,361 | $2,030 | $10,274 | $6,893 | +36.5% | 55.8% |
| 18 | TD Bank, N.A. | Wilmington, DE | $30,408 | $4,311 | $6,714 | $6,837 | -3.6% | 18.4% |
| 19 | Old National Bank | Evansville, IN | $23,021 | $2,446 | $5,855 | $5,966 | +3.2% | 45.3% |
| 20 | Regions Bank | Birmingham, AL | $16,257 | $2,808 | $3,875 | $5,383 | +7.0% | 16.3% |
| 21 | UMB Bank, N.A. | Kansas City, MO | $15,713 | $2,927 | $1,725 | $5,005 | +2.5% | 38.2% |
| 22 | Ally Bank | Sandy, UT | $7,995 | $519 | $98.0 | $4,527 | +18.5% | 5.6% |
| 23 | CIBC Bank USA | Chicago, IL | $18,426 | $2,120 | $3,990 | $4,438 | +22.1% | 42.5% |
| 24 | City National Bank | Los Angeles, CA | $16,549 | $2,834 | $2,698 | $4,414 | +5.7% | 23.9% |
| 25 | Frost Bank | San Antonio, TX | $10,734 | $2,736 | $239 | $4,370 | +9.0% | 46.7% |
| 26 | Atlantic Union Bank | Richmond City, VA | $15,900 | $1,859 | $2,429 | $4,308 | +3.4% | 55.4% |
| 27 | Citizens Bank, N.A. | Providence, RI | $26,949 | $4,746 | $8,036 | $4,002 | -7.4% | 18.1% |
| 28 | United Community Bank | Greenville, SC | $9,988 | $1,338 | $714 | $3,946 | +4.8% | 50.0% |
| 29 | Glacier Bank | Kalispell, MT | $12,859 | $2,660 | $1,076 | $3,928 | +19.2% | 60.1% |
| 30 | BOKF, N.A. | Tulsa, OK | $11,334 | $1,488 | $2,046 | $3,796 | +5.2% | 41.8% |
| 31 | Fulton Bank, N.A. | Lancaster, PA | $10,083 | $885 | $1,563 | $3,553 | +0.1% | 41.3% |
| 32 | East West Bank | Pasadena, CA | $21,796 | $814 | $4,606 | $3,434 | +5.6% | 37.0% |
| 33 | Hancock Whitney Bank | Gulfport, MS | $9,315 | $1,359 | $1,274 | $3,354 | +12.5% | 37.8% |
| 34 | First National Bank of Pennsylvania | Greenville, PA | $12,016 | $2,660 | $885 | $3,308 | -4.7% | 33.4% |
| 35 | Renasant Bank | Tupelo, MS | $11,354 | $2,013 | $1,158 | $3,221 | +4.0% | 58.4% |
| 36 | Metropolitan Commercial Bank | New York, NY | $6,358 | $482 | $414 | $3,139 | +17.1% | 86.7% |
| 37 | Bank of Hope | Los Angeles, CA | $8,920 | $213 | $1,144 | $3,138 | +4.6% | 59.3% |
| 38 | WesBanco Bank, Inc. | Wheeling, WV | $10,779 | $1,690 | $1,739 | $3,047 | +3.8% | 55.2% |
| 39 | Live Oak Banking Company | Wilmington, NC | $6,163 | $970 | $26.2 | $3,037 | +17.3% | 46.9% |
| 40 | KeyBank, N.A. | Cleveland, OH | $17,153 | $2,896 | $5,445 | $3,010 | +1.5% | 15.3% |
| 41 | Provident Bank | Jersey City, NJ | $14,672 | $723 | $3,807 | $2,900 | +4.1% | 73.2% |
| 42 | Citizens Business Bank, N.A. | Ontario, CA | $9,149 | $214 | $1,235 | $2,823 | +43.6% | 76.1% |
| 43 | MidFirst Bank | Oklahoma City, OK | $9,265 | $1,068 | $1,009 | $2,689 | +1.5% | 27.6% |
| 44 | ServisFirst Bank | Birmingham, AL | $9,353 | $1,565 | $1,401 | $2,665 | +9.6% | 64.5% |
| 45 | Prosperity Bank | El Campo, TX | $10,365 | $3,144 | $680 | $2,593 | +19.1% | 41.4% |
| 46 | First Interstate Bank | Billings, MT | $8,497 | $576 | $1,848 | $2,591 | -14.4% | 59.5% |
| 47 | Flagstar Bank, N.A. | Hicksville, NY | $35,271 | $1,370 | $26,922 | $2,509 | -17.5% | 57.6% |
| 48 | Banner Bank | Walla Walla, WA | $7,532 | $1,697 | $1,032 | $2,501 | +4.1% | 62.7% |
| 49 | TowneBank | Portsmouth, VA | $8,969 | $1,321 | $865 | $2,496 | +22.8% | 57.9% |
| 50 | Webster Bank, N.A. | STAMFORD, CT | $22,551 | $1,695 | $7,695 | $2,434 | +5.8% | 39.0% |
Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.
Bank of America, N.A. leads the owner occupied ranking with $24.7 billion, although its total CRE portfolio of $79.9 billion ranks behind Wells Fargo Bank, N.A. at $121.6 billion and JPMorgan Chase Bank, N.A. at $179.8 billion. Wells Fargo and Truist Bank each report $17.8 billion of owner occupied loans, but their broader CRE books differ at $121.6 billion and $51.0 billion. Growth also varies sharply. Pinnacle Bank reports a +123.7% annual change in total CRE, while The Huntington National Bank reports +109.8%. TD Bank, N.A. reports -3.6%. Concentration separates large diversified banks from more CRE focused institutions. Bank of America reports CRE at 6.6% of loans and an investor CRE to equity ratio of 0.23x. Metropolitan Commercial Bank reports 86.7% and 3.33x, while Flagstar Bank, N.A. reports an investor CRE to equity ratio of 4.02x, high relative to other banks in the table.
Use portfolio size as the starting point for a loan search
A large owner occupied balance can indicate appetite and capacity to hold these loans, but rank alone does not establish that a bank will finance a particular property. Bank of America, N.A. reports $24.7 billion of owner occupied loans, compared with $17.8 billion at Wells Fargo Bank, N.A. and $17.8 billion at Truist Bank. Borrowers can use those balances to build an initial contact list, then ask each bank about property fit, geographic coverage and the relationship it expects.
Total CRE size adds context. JPMorgan Chase Bank, N.A. has the largest CRE portfolio in the table at $179.8 billion, yet its owner occupied balance is $14.4 billion and its owner occupied rank is 5. First-Citizens Bank & Trust Company ranks 4 with $16.8 billion of owner occupied loans despite a smaller $38.8 billion total CRE book. Growth can identify banks adding CRE loans, while concentration may indicate that a bank will be selective. Lending remains relationship driven and local, so borrowers should compare banks that know their market.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix shows where reported CRE exposure is concentrated
The component balances reveal substantial differences in activity. JPMorgan Chase Bank, N.A. reports $107.3 billion of multifamily loans within its $179.8 billion CRE portfolio, compared with $14.4 billion of owner occupied loans. Bank of America, N.A. reports $37.1 billion of investor nonfarm nonresidential loans and $24.7 billion of owner occupied loans. First-Citizens Bank & Trust Company reports $16.8 billion of owner occupied loans against $11.7 billion of investor nonfarm nonresidential loans. These figures show portfolio mix, not current underwriting preferences.
Concentration provides another lens on the same balance sheet. SouthState Bank, N.A. reports CRE equal to 55.2% of loans and an investor CRE to equity ratio of 2.11x. Valley National Bank reports 57.8% and 2.70x. By comparison, Wells Fargo Bank, N.A. reports 12.2% and 0.61x. A high ratio relative to other banks in the table can signal that a lender may be selective about additional exposure. A low ratio can reflect a more diversified loan book, but it does not by itself establish availability or approval standards.
Compare banks with financing sources outside call reports
The headquarters field identifies the reported home office, not the complete lending footprint. A borrower may find relevant banks headquartered outside the property’s state through local branches or established market coverage, but the table does not list branch level lending authority. For example, Wells Fargo Bank, N.A. is headquartered in Sioux Falls, SD, and reports $17.8 billion of owner occupied loans. PNC Bank, N.A. is headquartered in Wilmington, DE, and reports $10.4 billion. Borrowers should confirm local coverage directly before treating a national rank as evidence of availability.
Bank call reports also exclude debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. These sources can provide alternatives when bank balance sheet capacity, relationship requirements or property fit do not align with a request. SBA lending also competes directly in the owner occupied segment because the financed property houses the borrower’s business. Comparing several sources helps a borrower evaluate fit across lender types, while the bank ranking supplies a consistent view of reported portfolio scale. Benchmark rates as of Oct 26, 2026 include the Prime rate at 7.00% and SOFR at 3.89%, but they are not bank loan quotes.
Frequently Asked Questions
What qualifies as an owner occupied commercial real estate loan?
The FDIC category covers loans secured by owner occupied nonfarm nonresidential properties. The borrower’s business occupies the property, distinguishing the exposure from nonfarm nonresidential real estate held primarily for investment. The segment can include properties used for operating businesses, while SBA lending also competes for owner occupied transactions. BestCRE ranks banks by the balance reported in this category. Bank of America, N.A. reports $24.7 billion, Wells Fargo Bank, N.A. reports $17.8 billion and Truist Bank reports $17.8 billion as of June 30, 2026.
Does a high ranking mean a bank will approve my loan?
No. The ranking measures reported portfolio balances, not approval probability, pricing or available terms. Bank of America, N.A. ranks 1 with $24.7 billion of owner occupied loans, while First-Citizens Bank & Trust Company ranks 4 with $16.8 billion. Those balances show that each bank holds substantial exposure to the category. They do not show whether a specific property, borrower, market or transaction fits current requirements. Borrowers still need to contact banks directly and provide financial, property and relationship information for an individual credit decision.
Why can a bank rank highly in total CRE but lower in owner occupied loans?
Total CRE combines construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. A bank can therefore have a large overall portfolio without placing the same emphasis on owner occupied exposure. JPMorgan Chase Bank, N.A. ranks 1 nationally by total CRE with $179.8 billion, including $107.3 billion of multifamily loans and $14.4 billion of owner occupied loans. It ranks 5 for owner occupied loans. Flagstar Bank, N.A. ranks 10 nationally with $35.3 billion of total CRE but ranks 47 for owner occupied loans at $2.5 billion.
How current is the bank ranking?
The portfolio data is as of June 30, 2026 and comes from FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C. The FDIC Summary of Deposits 2026 supports the related bank and location information. Call report balances represent a reporting date rather than a live measure of new loan availability. The table includes 50 banks with $323.6 billion of owner occupied loans and $1.34 trillion of total CRE loans. Market conditions, individual balance sheets and lending activity may change after the reporting date.
What benchmark rates provide context for the ranking?
The benchmark rates are reference points, not offered loan rates. As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. Actual commercial mortgage pricing is not reported in the ranked table and cannot be inferred from portfolio balances. A bank with a large owner occupied book, such as Bank of America, N.A. at $24.7 billion, may still quote terms that depend on the borrower, property and transaction.
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BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.