Delaware’s largest headquartered commercial real estate lenders vary substantially in portfolio size and composition. The 10 banks in the table reported $103.0 billion of total CRE loans as of June 30, 2026, including $15.2 billion in construction and land loans, $32.3 billion in multifamily loans, $20.3 billion in owner occupied loans and $35.2 billion in investor nonfarm nonresidential loans. BestCRE ranks institutions by total CRE loans using FDIC Call Reports, specifically schedule RC-C. The figures describe each bank’s entire reported portfolio and should be read as measures of balance sheet activity, not as property specific loan quotes or commitments.
The ranking is limited to banks headquartered in Delaware. That distinction matters because banks headquartered in other states can maintain Delaware branches and lend locally, but their nationwide CRE portfolios are not included in the ranked table. The 10 Delaware headquartered banks increased their combined CRE loans by +3.6% from the prior year, while the top five held 99.4% of that total. Across all 4,167 banks in the comparison universe, reported CRE loans totaled $3.07 trillion. Borrowers can use the ranking to identify active institutions, then confirm current property, market and relationship requirements directly with each bank.
Delaware banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | PNC Bank, N.A. | Wilmington, DE | $47,133 | $5,261 | $14,980 | $10,376 | +14.3% | 12.8% |
| 2 | TD Bank, N.A. | Wilmington, DE | $30,408 | $4,311 | $6,714 | $6,837 | -3.6% | 18.4% |
| 3 | Santander Bank, N.A. | Wilmington, DE | $17,133 | $4,384 | $9,375 | $955 | -7.7% | 29.0% |
| 4 | Wilmington Savings Fund Society, FSB | Wilmington, DE | $7,355 | $989 | $1,183 | $1,856 | +2.7% | 54.5% |
| 5 | County Bank | Rehoboth Beach, DE | $327 | $89.7 | $19.9 | $88.4 | +14.2% | 63.1% |
| 6 | Artisans’ Bank | Wilmington, DE | $326 | $65.1 | $23.4 | $79.8 | +5.7% | 61.9% |
| 7 | Community Bank Delaware | Lewes, DE | $135 | $24.4 | $6.7 | $49.7 | +1.7% | 37.0% |
| 8 | TD Bank USA, N.A. | Wilmington, DE | $106 | $48.1 | $21.9 | $31.8 | -22.2% | 1.2% |
| 9 | Applied Bank | Wilmington, DE | $47.2 | $12.0 | $0.0 | $3.1 | -4.5% | 84.9% |
| 10 | Barclays Bank Delaware | Wilmington, DE | $4.0 | $0.0 | $4.0 | $0.0 | -20.0% | 0.0% |
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.
The table is concentrated at the top. PNC Bank, N.A. leads with $47.1 billion of CRE loans and +14.3% year over year growth, followed by TD Bank, N.A. at $30.4 billion and Santander Bank, N.A. at $17.1 billion. Their portfolios differ materially. PNC reported $15.0 billion in multifamily loans and $16.5 billion in investor nonfarm nonresidential loans. TD Bank reported $12.5 billion in investor nonfarm nonresidential loans, while Santander’s largest category was multifamily at $9.4 billion. Wilmington Savings Fund Society, FSB reported $7.4 billion of CRE loans, equal to 54.5% of its loans, and an investor CRE to equity ratio of 2.08x. Among the smaller institutions, County Bank grew +14.2%, while Artisans’ Bank had the table’s highest investor CRE to equity ratio at 3.63x.
Out of state banks with branches in Delaware
| Bank | Headquarters state | Branches in Delaware | Deposits in Delaware ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Capital One, N.A. | Virginia | 3 | $387,332 | $24,111 |
| Manufacturers and Traders Trust Company | New York | 36 | $15,648 | $34,665 |
| Wells Fargo Bank, N.A. | South Dakota | 14 | $2,620 | $121,623 |
| Bank of America, N.A. | North Carolina | 10 | $2,616 | $79,906 |
| Citizens Bank, N.A. | Rhode Island | 17 | $1,713 | $26,949 |
| Fulton Bank, N.A. | Pennsylvania | 12 | $1,026 | $10,083 |
| JPMorgan Chase Bank, N.A. | Ohio | 14 | $677 | $179,847 |
| Shore United Bank, N.A. | Maryland | 5 | $367 | $2,882 |
| Burke & Herbert Bank & Trust Company | Virginia | 5 | $246 | $5,504 |
| First Citizens Community Bank | Pennsylvania | 5 | $150 | $1,163 |
| Bank of Ocean City | Maryland | 2 | $112 | $358 |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Maryland | 1 | $54.7 | $381 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Delaware only; CRE loans are bank wide.
Portfolio size and direction help borrowers build a call list
Total CRE loans provide a practical starting point for a financing search. A larger portfolio can indicate greater appetite and hold capacity, while year over year growth shows which banks are adding or reducing CRE exposure. PNC Bank, N.A. reported $47.1 billion of CRE loans and +14.3% growth. TD Bank, N.A. reported $30.4 billion and a -3.6% change, while Santander Bank, N.A. reported $17.1 billion and a -7.7% change. These figures do not establish whether a bank will finance a particular transaction, but they help borrowers identify institutions with meaningful reported activity.
Borrowers should pair portfolio size with the category that matches the proposed property or project. A bank with a large multifamily balance may merit attention for an apartment request, while construction, owner occupied and investor nonfarm nonresidential balances point to different areas of reported activity. Growth can refine the call list, but it should not be treated as an approval signal. Bank lending remains relationship driven and local. A useful process is to contact several institutions, describe the collateral and borrower profile consistently, and compare current responses rather than relying on rank alone.
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The category balances show where each institution’s reported CRE book is concentrated. PNC Bank, N.A. reported $5.3 billion in construction and land loans, $15.0 billion in multifamily, $10.4 billion in owner occupied and $16.5 billion in investor nonfarm nonresidential loans. TD Bank, N.A. reported $4.3 billion, $6.7 billion, $6.8 billion and $12.5 billion in those categories, respectively. Santander Bank, N.A. reported $4.4 billion in construction and land loans and $9.4 billion in multifamily loans, compared with $954.7 million in owner occupied loans and $2.4 billion in investor nonfarm nonresidential loans.
Concentration measures place CRE exposure in the context of each bank’s broader balance sheet and capital. Wilmington Savings Fund Society, FSB had CRE loans equal to 54.5% of total loans and an investor CRE to equity ratio of 2.08x. County Bank reported 63.1% and 2.39x, while Artisans’ Bank reported 61.9% and 3.63x. Artisans’ Bank’s ratio was high relative to the other banks in the table. Applied Bank had the largest CRE share of loans at 84.9%, but its investor CRE to equity ratio was 0.99x. A concentrated bank may be selective, so borrowers should consider both measures instead of reading either figure in isolation.
Delaware borrowers have bank and nonbank alternatives
Banks headquartered elsewhere also serve Delaware through local branches. Capital One, N.A., headquartered in Virginia, had 3 Delaware branches and $387.3 billion of deposits in the state, while reporting $24.1 billion of CRE loans across all states. Manufacturers and Traders Trust Company had 36 Delaware branches, $15.6 billion of state deposits and $34.7 billion of total CRE loans. Wells Fargo Bank, N.A. had 14 branches, $2.6 billion of deposits in Delaware and $121.6 billion of CRE loans across all states. These nationwide portfolio totals are not measures of lending confined to Delaware.
Other branch based options include Bank of America, N.A., Citizens Bank, N.A., Fulton Bank, N.A. and JPMorgan Chase Bank, N.A. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call reports. Each source evaluates transactions through a different framework, so comparing several sources can clarify which institutions are currently considering the relevant property type and borrower profile. The ranked table is best used as one part of that search, alongside direct conversations with local branches and nonbank lenders.
Frequently Asked Questions
What is the source for BestCRE’s Delaware bank ranking?
BestCRE uses FDIC Call Reports, formally called Reports of Condition and Income, with CRE balances drawn from schedule RC-C as of June 30, 2026. Branch counts and Delaware deposit figures come from the FDIC Summary of Deposits 2026. The ranked population includes 10 banks headquartered in Delaware. Their reported CRE loans total $103.0 billion. Call reports provide standardized balance sheet information across institutions, but they do not show individual loan offers, current underwriting decisions or the location of every property securing a bank’s loans.
Which Delaware headquartered bank has the largest CRE portfolio?
PNC Bank, N.A. ranks first with $47.1 billion in total commercial real estate loans as of June 30, 2026. It also ranks 6 nationally in the comparison universe. Its CRE portfolio includes $5.3 billion in construction and land loans, $15.0 billion in multifamily loans, $10.4 billion in owner occupied loans and $16.5 billion in investor nonfarm nonresidential loans. CRE represented 12.8% of its total loans, and its investor CRE to equity ratio was 0.58x.
Which ranked banks increased their CRE balances the most?
Among the ranked Delaware headquartered banks, PNC Bank, N.A. recorded the largest stated growth rate at +14.3%, closely followed by County Bank at +14.2%. Artisans’ Bank increased +5.7%, Wilmington Savings Fund Society, FSB increased +2.7% and Community Bank Delaware increased +1.7%. The combined CRE balance of all 10 Delaware headquartered banks changed +3.6% year over year. Growth identifies banks that added reported CRE loans, but it does not indicate whether the change came from originations, acquisitions, repayments or other portfolio movements.
How do current benchmark rates relate to this ranking?
The ranking measures reported loan balances and does not rank bank pricing. For market context 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 benchmarks can frame lending discussions, but they are not quoted bank loan rates. A borrower’s actual pricing cannot be inferred from portfolio size, growth, concentration or headquarters location, and must be confirmed directly with prospective lenders.
How large is the gap between Delaware’s leading CRE banks and smaller institutions?
The top five banks account for 99.4% of CRE loans held by Delaware headquartered banks. PNC Bank, N.A. reported $47.1 billion, TD Bank, N.A. reported $30.4 billion, Santander Bank, N.A. reported $17.1 billion and Wilmington Savings Fund Society, FSB reported $7.4 billion. The next ranked institution, County Bank, reported $327.1 million. Smaller does not mean inactive: County Bank posted +14.2% growth, while Artisans’ Bank reported $326.4 million and +5.7% growth. The figures show scale and portfolio direction, not availability for any specific request.
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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.