BestCRE’s ranking identifies the largest commercial real estate loan books among banks headquartered in Texas. The 25 banks in the table reported $82.3 billion of total CRE loans as of June 30, 2026, including $18.2 billion of construction and land loans, $10.2 billion of multifamily loans, $21.9 billion of owner occupied loans and $32.0 billion of investor nonfarm nonresidential loans. The table is based on FDIC Call Reports, schedule RC-C, while branch and deposit information comes from the FDIC Summary of Deposits 2026. It measures loans held on bank balance sheets, not current quotes, recent originations or the location of each financed property.
Texas had 345 headquartered banks with $149.3 billion of total CRE loans, up +9.0% year over year. The top five held 24.1% of that state headquartered total. The ranked table therefore captures major Texas based lenders without representing every bank that can finance property in the state. Banks headquartered elsewhere may operate substantial Texas branch networks, while nonbank lenders do not file bank call reports. Borrowers can use the ranking to identify institutions with relevant balance sheet exposure, then contact several lenders to compare current interest, structure and fit. Bank lending remains relationship driven and local, so reported portfolio size is a starting point rather than a promise of availability.
Texas banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Frost Bank | San Antonio, TX | $10,734 | $2,736 | $239 | $4,370 | +9.0% | 46.7% |
| 2 | Prosperity Bank | El Campo, TX | $10,365 | $3,144 | $680 | $2,593 | +19.1% | 41.4% |
| 3 | Sunflower Bank, N.A. | Dallas, TX | $5,082 | $323 | $2,613 | $951 | +152.4% | 43.4% |
| 4 | Texas Capital Bank | Dallas, TX | $5,007 | $885 | $1,530 | $987 | -8.8% | 20.1% |
| 5 | International Bank of Commerce | Laredo, TX | $4,813 | $1,749 | $807 | $416 | +9.2% | 66.6% |
| 6 | Stellar Bank | HOUSTON, TX | $4,712 | $980 | $487 | $1,779 | +0.4% | 62.7% |
| 7 | PlainsCapital Bank | University Park, TX | $4,692 | $984 | $364 | $1,453 | +9.9% | 50.6% |
| 8 | Southside Bank | Tyler, TX | $3,334 | $600 | $642 | $362 | +9.5% | 67.4% |
| 9 | First Financial Bank | Abilene, TX | $3,167 | $1,191 | $93.5 | $1,144 | +4.1% | 37.8% |
| 10 | Woodforest National Bank | The Woodlands, TX | $2,647 | $270 | $115 | $567 | -2.0% | 45.0% |
| 11 | Third Coast Bank | Humble, TX | $2,463 | $888 | $59.0 | $584 | +29.3% | 45.3% |
| 12 | Vantage Bank Texas | San Antonio, TX | $2,153 | $555 | $79.9 | $560 | +8.4% | 52.2% |
| 13 | American First National Bank | Houston, TX | $2,140 | $144 | $69.5 | $1,004 | -0.4% | 88.8% |
| 14 | Texas Bank and Trust Company | Longview, TX | $2,120 | $374 | $292 | $476 | -4.9% | 61.8% |
| 15 | The American National Bank of Texas | Terrell, TX | $2,086 | $502 | $148 | $690 | +4.6% | 61.3% |
| 16 | State Bank of Texas | Irving, TX | $2,070 | $145 | $0.0 | $1.8 | -7.1% | 98.9% |
| 17 | City Bank | Lubbock, TX | $2,007 | $484 | $230 | $530 | +26.0% | 53.1% |
| 18 | Inwood National Bank | Dallas, TX | $1,990 | $280 | $95.2 | $403 | +0.0% | 80.2% |
| 19 | WestStar Bank | El Paso, TX | $1,829 | $332 | $266 | $374 | +10.0% | 72.5% |
| 20 | Golden Bank, N.A. | Houston, TX | $1,700 | $221 | $75.2 | $601 | +11.3% | 87.8% |
| 21 | Broadway National Bank | San Antonio, TX | $1,591 | $314 | $73.6 | $444 | -13.7% | 50.2% |
| 22 | NexBank | Dallas, TX | $1,489 | $123 | $992 | $11.2 | -9.9% | 15.9% |
| 23 | Amarillo National Bank | Amarillo, TX | $1,417 | $302 | $6.9 | $850 | +6.3% | 19.8% |
| 24 | Pinnacle Bank | Fort Worth, TX | $1,357 | $414 | $142 | $257 | +9.7% | 71.0% |
| 25 | VeraBank, N.A. | Henderson, TX | $1,347 | $286 | $87.9 | $461 | +2.7% | 48.1% |
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. Table shows the top 25 of 345 banks headquartered in Texas.
Frost Bank and Prosperity Bank lead the table with $10.7 billion and $10.4 billion of CRE loans, respectively. Their portfolios differ: Frost Bank reports $4.4 billion of owner occupied loans, while Prosperity Bank reports $3.9 billion of investor nonfarm nonresidential loans and $3.1 billion of construction and land loans. Sunflower Bank, N.A. stands out for +152.4% year over year growth and $2.6 billion of multifamily loans. Texas Capital Bank reports -8.8% growth, while Third Coast Bank and City Bank report +29.3% and +26.0%. Concentration also varies widely. CRE represents 98.9% of loans at State Bank of Texas, compared with 15.9% at NexBank. The American National Bank of Texas has an investor CRE to equity ratio of 4.25x, while Amarillo National Bank reports 0.51x. These differences show that similar total balances can reflect substantially different portfolio mixes and concentration levels.
Out of state banks with branches in Texas
| Bank | Headquarters state | Branches in Texas | Deposits in Texas ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| JPMorgan Chase Bank, N.A. | Ohio | 489 | $308,313 | $179,847 |
| Bank of America, N.A. | North Carolina | 313 | $199,803 | $79,906 |
| Wells Fargo Bank, N.A. | South Dakota | 457 | $94,362 | $121,623 |
| Citibank, N.A. | South Dakota | 2 | $31,012 | $26,036 |
| PNC Bank, N.A. | Delaware | 319 | $30,127 | $47,133 |
| The Huntington National Bank | Ohio | 145 | $28,027 | $37,932 |
| Zions Bancorporation, N.A. | Utah | 77 | $15,381 | $23,684 |
| Truist Bank | North Carolina | 96 | $11,314 | $51,018 |
| Fifth Third Bank, N.A. | Ohio | 110 | $10,726 | $33,581 |
| BOKF, N.A. | Oklahoma | 33 | $10,167 | $11,334 |
| SouthState Bank, N.A. | Florida | 63 | $8,611 | $28,266 |
| Capital One, N.A. | Virginia | 20 | $7,371 | $24,111 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Texas only; CRE loans are bank wide.
Portfolio size is a starting point for a loan search
A large CRE portfolio can indicate established appetite and capacity to hold commercial property loans. Frost Bank, with $10.7 billion of CRE loans, and Prosperity Bank, with $10.4 billion, are logical starting points for borrowers seeking banks with substantial existing exposure. Smaller portfolios can still be relevant, particularly when their property mix aligns with a proposed transaction. The ranking should be used to build a call list, not to infer approval standards, current pricing or available proceeds.
Growth provides another useful screen because it shows which banks were adding or reducing reported balances. Prosperity Bank grew +19.1% year over year, while Broadway National Bank declined -13.7%. Those figures describe changes in held loans, not commitments to make new loans. Concentration can also signal that a bank may be selective as it manages existing exposure. Borrowers should compare several institutions and give added weight to local relationships, property type experience and the composition of each bank’s reported portfolio.
Get your deal in front of the right lenders in Texas
Tell BestCRE about the property, the loan amount and the timeline. We package the request and bring back term sheets from banks, debt funds, life companies, CMBS, agency and SBA lenders, so you compare more than the bank down the street.
Tell Us About Your DealHow BestCRE Capital WorksLoan mix reveals where each bank is most active
The components of total CRE loans distinguish banks with different areas of balance sheet activity. International Bank of Commerce reports $1.7 billion of construction and land loans and $1.8 billion of investor nonfarm nonresidential loans. Stellar Bank reports $1.8 billion of owner occupied loans, while NexBank reports $992.2 million of multifamily loans and only $11.2 million of owner occupied loans. A borrower can compare the relevant category with total CRE loans to identify banks whose existing books resemble the proposed property or occupancy structure.
CRE share of loans and investor CRE to equity provide different views of concentration. American First National Bank reports CRE equal to 88.8% of loans, while Texas Capital Bank reports 20.1%. State Bank of Texas has an investor CRE to equity ratio of 4.87x, high relative to other banks in the table, while Prosperity Bank reports 0.96x. High concentration does not establish whether a bank will approve or reject a request, but it can indicate that portfolio management may influence how selectively the bank evaluates additional exposure.
Texas borrowers have bank and nonbank alternatives
This ranking covers banks headquartered in Texas, not every bank lending through Texas offices. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 489 branches and $308.3 billion of deposits in Texas. Bank of America, N.A., headquartered in North Carolina, has 313 branches and $199.8 billion of Texas deposits. Wells Fargo Bank, N.A., headquartered in South Dakota, has 457 branches and $94.4 billion of Texas deposits. Their reported total CRE loans of $179.8 billion, $79.9 billion and $121.6 billion cover all states, so those balances should not be interpreted as Texas loan totals.
Other out of state institutions with Texas branches include PNC Bank, N.A., The Huntington National Bank, Zions Bancorporation, N.A., Truist Bank, Fifth Third Bank, N.A., BOKF, N.A., SouthState Bank, N.A. and Capital One, N.A. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call reports. Comparing several sources matters because each category evaluates transactions through a different lending channel, and the ranked bank data cannot show current availability, execution terms or fit for a specific property.
Frequently Asked Questions
Where does BestCRE get the Texas bank lending data?
BestCRE uses FDIC Call Reports, formally Reports of Condition and Income, with CRE balances drawn from schedule RC-C as of June 30, 2026. Branch counts and deposits come from the FDIC Summary of Deposits 2026. The ranked banks reported $82.3 billion of total CRE loans. Call reports show balance sheet loans held by each institution at the reporting date. They do not identify individual properties, borrower names, proposed transactions, quoted rates or loans that were originated and later sold.
How current is the Texas commercial real estate lender ranking?
The loan balances and rankings are as of June 30, 2026. They should be read as a reporting date snapshot rather than a live measure of lending capacity. Market benchmarks are more recent: 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%. Those benchmarks provide market context but are not bank loan quotes or evidence of terms available from any ranked institution.
Does a bank’s CRE total represent loans only in Texas?
No. The ranking selects banks according to their Texas headquarters, but call report balances cover each bank’s entire reported portfolio. A Texas headquartered bank may hold loans secured by properties elsewhere. The same limitation applies to out of state banks: BOKF, N.A. has 33 Texas branches and $10.2 billion of deposits in the state, but its $11.3 billion of total CRE loans covers all states. The data supports comparison of institutions, not a precise measurement of loan balances secured only by Texas commercial properties.
What does negative year over year CRE growth mean?
Negative growth means the bank reported a smaller CRE balance than it reported a year earlier. It does not establish the cause or show whether the institution has stopped making loans. Woodforest National Bank reported -2.0% year over year growth, Texas Bank and Trust Company reported -4.9%, State Bank of Texas reported -7.1%, Texas Capital Bank reported -8.8%, NexBank reported -9.9% and Broadway National Bank reported -13.7%. Borrowers should treat the measure as portfolio direction and ask the bank directly about current interest in a specific request.
Which Texas banks have the largest multifamily loan books?
Sunflower Bank, N.A. reports the largest multifamily balance among the ranked banks at $2.6 billion. Texas Capital Bank follows with $1.5 billion, while NexBank reports $992.2 million. International Bank of Commerce reports $806.6 million, Prosperity Bank reports $680.2 million and Southside Bank reports $641.8 million. These balances show where multifamily loans are already present in meaningful amounts. They do not reveal current underwriting criteria, available capacity or whether a bank is seeking a particular multifamily transaction.
More BestCRE lender rankings
CRE lenders by state
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.