Ohio is home to several of the largest commercial real estate bank lenders in the country, along with regional and community banks whose portfolios are more concentrated in property lending. BestCRE ranks 25 Ohio headquartered banks by total commercial real estate loans as of June 30, 2026. Together, the banks in the table reported $345.0 billion in CRE loans, including $47.7 billion in construction and land loans, $141.0 billion in multifamily loans, $58.1 billion in owner occupied loans and $98.1 billion in investor nonfarm nonresidential loans.
The ranking is based on FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C. Headquarters and Ohio branch deposit information come from the FDIC Summary of Deposits 2026. Call report balances describe each bank’s entire portfolio, not loans made only in Ohio. That distinction is especially important for large banks headquartered in Columbus, Cincinnati and Cleveland. The figures provide a consistent view of portfolio size, property mix, year over year change, CRE share of total loans and investor CRE relative to equity capital.
Ohio banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, N.A. | Columbus, OH | $179,847 | $18,789 | $107,317 | $14,363 | +4.6% | 11.5% |
| 2 | U.S. Bank, N.A. | Cincinnati, OH | $50,718 | $9,378 | $14,458 | $9,005 | +10.2% | 12.3% |
| 3 | The Huntington National Bank | Columbus, OH | $37,932 | $5,322 | $4,884 | $13,331 | +109.8% | 19.8% |
| 4 | Fifth Third Bank, N.A. | Cincinnati, OH | $33,581 | $7,971 | $4,143 | $11,997 | +104.4% | 18.7% |
| 5 | KeyBank, N.A. | Cleveland, OH | $17,153 | $2,896 | $5,445 | $3,010 | +1.5% | 15.3% |
| 6 | First Financial Bank | Cincinnati, OH | $4,974 | $674 | $809 | $1,070 | +9.5% | 36.1% |
| 7 | The Park National Bank | Newark, OH | $3,839 | $614 | $356 | $1,034 | +43.7% | 39.5% |
| 8 | Peoples Bank | Marietta, OH | $2,429 | $292 | $470 | $706 | +1.2% | 35.6% |
| 9 | The Farmers National Bank of Canfield | Canfield, OH | $2,064 | $202 | $218 | $632 | +47.2% | 43.2% |
| 10 | Civista Bank | Sandusky, OH | $1,885 | $265 | $307 | $389 | -1.8% | 57.8% |
| 11 | NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $1,364 | $40.3 | $1,051 | $73.9 | +9.2% | 39.7% |
| 12 | The Farmers & Merchants State Bank | Archbold, OH | $1,325 | $107 | $151 | $508 | -2.8% | 48.9% |
| 13 | LCNB National Bank | Lebanon, OH | $1,053 | $71.2 | $250 | $228 | -1.8% | 61.9% |
| 14 | CFBank, N.A. | Columbus, OH | $976 | $252 | $182 | $224 | +14.5% | 53.6% |
| 15 | Waterford Bank, N.A. | Toledo, OH | $811 | $46.3 | $130 | $305 | +1.2% | 57.8% |
| 16 | The Croghan Colonial Bank | Fremont, OH | $633 | $109 | $111 | $98.5 | +36.7% | 70.8% |
| 17 | The State Bank and Trust Company | Defiance, OH | $544 | $88.3 | $90.5 | $145 | +17.8% | 45.4% |
| 18 | Union Savings Bank | Cincinnati, OH | $525 | $169 | $115 | $0.0 | +5.4% | 14.8% |
| 19 | Signature Bank, N.A. | Toledo, OH | $522 | $58.9 | $65.4 | $188 | +9.4% | 50.4% |
| 20 | The Citizens National Bank of Bluffton | Bluffton, OH | $500 | $53.2 | $46.1 | $162 | +1.7% | 56.6% |
| 21 | First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $490 | $64.7 | $110 | $125 | +6.6% | 20.2% |
| 22 | The Ohio Valley Bank Company | Gallipolis, OH | $481 | $92.2 | $98.2 | $89.8 | +22.1% | 39.0% |
| 23 | The Richwood Banking Company | Richwood, OH | $449 | $25.9 | $43.7 | $138 | +6.3% | 50.5% |
| 24 | Main Street Bank Corp. | Wooster, OH | $446 | $54.1 | $40.6 | $210 | +11.2% | 34.6% |
| 25 | The Union Bank Company | Columbus Grove, OH | $433 | $82.1 | $120 | $81.9 | +12.7% | 50.1% |
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 152 banks headquartered in Ohio.
JPMorgan Chase Bank, N.A. leads by a wide margin with $179.8 billion in total CRE loans, including $107.3 billion in multifamily loans. U.S. Bank, N.A. ranks second with $50.7 billion, followed by The Huntington National Bank at $37.9 billion and Fifth Third Bank, N.A. at $33.6 billion. Huntington and Fifth Third recorded the strongest growth among the leaders, at +109.8% and +104.4%, respectively. Portfolio mix differs substantially. First Financial Bank reported $2.4 billion in investor nonfarm nonresidential loans within a $5.0 billion CRE book, while NATIONAL COOPERATIVE BANK, N.A. reported $1.1 billion in multifamily loans within $1.4 billion of total CRE. Concentration also varies. JPMorgan Chase reported CRE equal to 11.5% of loans and investor CRE to equity of 0.48x. CFBank, N.A. reported 53.6% and 3.06x, while The Croghan Colonial Bank reported 70.8% and 3.77x.
Out of state banks with branches in Ohio
| Bank | Headquarters state | Branches in Ohio | Deposits in Ohio ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| PNC Bank, N.A. | Delaware | 216 | $39,586 | $47,133 |
| Bank of America, N.A. | North Carolina | 51 | $10,974 | $79,906 |
| Citizens Bank, N.A. | Rhode Island | 69 | $10,308 | $26,949 |
| WesBanco Bank, Inc. | West Virginia | 96 | $8,579 | $10,779 |
| Flagstar Bank, N.A. | New York | 26 | $2,759 | $35,271 |
| Dollar Bank, Federal Savings Bank | Pennsylvania | 28 | $2,504 | $2,765 |
| First Commonwealth Bank | Pennsylvania | 30 | $2,447 | $3,585 |
| First National Bank of Pennsylvania | Pennsylvania | 28 | $2,269 | $12,016 |
| German American Bank | Indiana | 20 | $1,296 | $3,034 |
| CNB Bank | Pennsylvania | 12 | $970 | $3,090 |
| Northwest Bank | Pennsylvania | 11 | $766 | $2,596 |
| Stock Yards Bank & Trust Company | Kentucky | 6 | $650 | $4,115 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Ohio only; CRE loans are bank wide.
Portfolio evidence can guide a focused bank search
A large CRE portfolio can indicate substantial appetite and hold capacity, but size alone does not identify the right lender for a particular property. Borrowers should compare total CRE balances with the categories inside each portfolio. JPMorgan Chase Bank, N.A. reported $179.8 billion in total CRE loans, while First Financial Bank reported $5.0 billion. Both may be relevant to a search, but their balance sheets show very different scale.
Growth identifies banks that are adding CRE loans, while concentration can signal that a bank will be selective about additional exposure. The Huntington National Bank reported +109.8% year over year growth and The Park National Bank reported +43.7%. Borrowers can use these measures to build a call list, then discuss the property, requested proceeds and relationship directly with each institution. Bank lending remains relationship driven and local, so comparing several banks is important even when one ranks highly.
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The component balances show pronounced differences in activity. JPMorgan Chase Bank, N.A. reported $107.3 billion in multifamily loans, compared with $18.8 billion in construction and land loans. Fifth Third Bank, N.A. reported $8.0 billion in construction and land loans, $4.1 billion in multifamily loans, $12.0 billion in owner occupied loans and $9.5 billion in investor nonfarm nonresidential loans. KeyBank, N.A. reported $5.4 billion in multifamily and $5.8 billion in investor nonfarm nonresidential loans.
Smaller banks can show higher CRE concentration than the largest institutions. LCNB National Bank reported CRE equal to 61.9% of total loans and investor CRE to equity of 2.89x. The Croghan Colonial Bank reported 70.8% and 3.77x. By comparison, U.S. Bank, N.A. reported 12.3% and 0.61x. These ratios do not establish current lending availability, but they help borrowers distinguish diversified balance sheets from banks with greater relative exposure to commercial property.
Ohio borrowers have additional bank and nonbank options
This ranking includes banks headquartered in Ohio. Banks headquartered elsewhere can also lend through Ohio branches. PNC Bank, N.A., headquartered in Delaware, had 216 Ohio branches and $39.6 billion in Ohio deposits, with $47.1 billion in total CRE loans across all states. Citizens Bank, N.A. had 69 branches, $10.3 billion in Ohio deposits and $26.9 billion in total CRE loans. WesBanco Bank, Inc. had 96 branches, $8.6 billion in Ohio deposits and $10.8 billion in total CRE loans.
Bank call reports also exclude debt funds, life companies, CMBS, agency and SBA lenders. Those sources can provide alternatives to both Ohio headquartered banks and out of state banks with local branches. Borrowers should compare several sources because portfolio size, loan mix, recent growth and concentration offer only an initial screen. The final fit depends on the property and the lender’s current willingness to add the requested exposure, which cannot be determined from call report balances alone.
Frequently Asked Questions
What does the Ohio CRE lender ranking measure?
The ranking measures total commercial real estate loans held by banks headquartered in Ohio as of June 30, 2026. CRE includes construction and land development, multifamily, owner occupied nonfarm nonresidential and investor nonfarm nonresidential loans. It ranks the bank’s full reported portfolio rather than loans secured only by Ohio properties. The table covers 25 institutions with a combined $345.0 billion in CRE loans. BestCRE uses FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C, to apply the same accounting categories across every bank.
Which Ohio bank is the largest national CRE lender?
JPMorgan Chase Bank, N.A., headquartered in Columbus, holds national rank 1 and leads the Ohio table with $179.8 billion in total CRE loans. Its portfolio includes $18.8 billion in construction and land loans, $107.3 billion in multifamily loans, $14.4 billion in owner occupied loans and $39.4 billion in investor nonfarm nonresidential loans. U.S. Bank, N.A., headquartered in Cincinnati, holds national rank 5 with $50.7 billion. The national rankings compare these institutions with all 4,167 banks in the FDIC data.
How large is CRE lending at all Ohio headquartered banks?
The 152 banks headquartered in Ohio reported $354.7 billion in total commercial real estate loans as of June 30, 2026. Their combined CRE balance changed +17.8% year over year. The top five accounted for 90.0% of Ohio headquartered bank CRE, showing that the statewide total is concentrated among a small group of very large institutions. The ranked table covers 25 banks and $345.0 billion in CRE loans. These amounts represent each institution’s entire reported CRE portfolio across all states, not only lending tied to Ohio properties.
What interest rate benchmarks were relevant in late 2026?
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%. These are market benchmarks, not quoted loan rates from the ranked banks. FDIC call reports do not disclose a bank’s offered pricing, spread, term, leverage, recourse or execution speed for an individual transaction. Borrowers therefore need direct lender discussions to compare actual financing proposals rather than treating benchmark rates or portfolio rankings as loan quotes.
How current are the BestCRE Ohio lender figures?
The bank portfolio figures are as of June 30, 2026, using FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C. Branch and deposit information comes from the FDIC Summary of Deposits 2026. The national comparison includes 4,167 banks reporting $3.07 trillion in total CRE loans. Because call reports present balance sheet positions on a reporting date, they show portfolio scale, mix, growth and concentration rather than current approval status. A borrower should confirm present lending interest directly with each institution before relying on the ranking for a 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.