Kansas borrowers have a broad field of locally headquartered banks with meaningful commercial real estate portfolios. The 25 banks in BestCRE’s table report $17.7 billion in total CRE loans, including $3.2 billion in construction and land loans, $2.2 billion in multifamily loans, $4.1 billion in owner occupied loans and $8.2 billion in investor nonfarm nonresidential loans. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C, as of June 30, 2026. The ranking orders Kansas headquartered banks by total commercial real estate loans, providing a consistent view of portfolio size, composition, growth and concentration.
The ranking is a starting point for identifying banks that may fit a particular property and financing request. A large CRE book can indicate appetite and hold capacity, while the portfolio mix shows the categories in which a bank has accumulated the most exposure. Year over year growth identifies banks that are adding loans, and concentration measures can flag institutions that may be more selective. Bank lending remains relationship driven and local, so portfolio data cannot establish current credit terms or approval prospects. Borrowers should use the table to form a call list, then confirm current interest, structure and requirements directly with each institution.
Kansas banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Equity Bank | Andover, KS | $2,532 | $711 | $248 | $558 | +55.0% | 46.8% |
| 2 | Capitol Federal Savings Bank | Topeka, KS | $2,071 | $258 | $235 | $174 | +24.7% | 25.3% |
| 3 | Intrust Bank, N.A. | Wichita, KS | $2,054 | $356 | $342 | $509 | +4.3% | 47.1% |
| 4 | Security Bank of Kansas City | Kansas City, KS | $1,738 | $344 | $308 | $203 | +5.2% | 82.6% |
| 5 | Fidelity Bank, N.A. | Wichita, KS | $1,475 | $202 | $178 | $319 | -1.3% | 56.8% |
| 6 | Emprise Bank | Wichita, KS | $1,112 | $165 | $170 | $198 | +12.7% | 54.7% |
| 7 | KS StateBank | Manhattan, KS | $951 | $77.9 | $86.6 | $493 | +4.7% | 46.4% |
| 8 | Community National Bank & Trust | Chanute, KS | $565 | $114 | $54.1 | $238 | +14.3% | 33.3% |
| 9 | CoreFirst Bank & Trust | Topeka, KS | $485 | $59.5 | $70.0 | $154 | +6.9% | 54.4% |
| 10 | The First National Bank of Hutchinson | Hutchinson, KS | $436 | $60.7 | $37.5 | $80.2 | -2.3% | 49.2% |
| 11 | Landmark National Bank | Manhattan, KS | $431 | $23.4 | $45.0 | $214 | +8.6% | 39.0% |
| 12 | Peoples Bank and Trust Company | Mcpherson, KS | $418 | $109 | $32.9 | $116 | +11.0% | 38.9% |
| 13 | Central National Bank | Junction City, KS | $385 | $54.6 | $27.0 | $147 | +0.3% | 48.2% |
| 14 | Legacy Bank | Colwich, KS | $383 | $143 | $22.3 | $59.6 | +16.0% | 56.2% |
| 15 | nbkc bank | Leawood, KS | $369 | $59.4 | $40.7 | $34.3 | +9.2% | 40.3% |
| 16 | The Bennington State Bank | Salina, KS | $310 | $63.1 | $48.7 | $150 | +8.8% | 34.4% |
| 17 | Cornerstone Bank | Overland Park, KS | $291 | $16.9 | $84.9 | $75.2 | +10.3% | 66.7% |
| 18 | Armed Forces Bank, N.A. | Fort Leavenworth, KS | $289 | $0.7 | $32.5 | $36.2 | -18.5% | 39.4% |
| 19 | Bank of Labor | Overland Park, KS | $225 | $45.2 | $37.3 | $104 | +9.4% | 61.6% |
| 20 | Farmers Bank & Trust | Great Bend, KS | $222 | $90.2 | $18.6 | $19.9 | +6.7% | 44.1% |
| 21 | Outdoor Bank | Manhattan, KS | $215 | $45.7 | $11.4 | $57.7 | +3.9% | 45.3% |
| 22 | Great American Bank | Lawrence, KS | $206 | $50.1 | $16.3 | $37.7 | -9.0% | 47.8% |
| 23 | First State Bank and Trust | Tonganoxie, KS | $185 | $28.1 | $37.6 | $26.8 | -9.0% | 54.7% |
| 24 | Security State Bank | Scott City, KS | $184 | $38.4 | $3.1 | $50.6 | +12.6% | 24.2% |
| 25 | First Option Bank | Osawatomie, KS | $179 | $59.2 | $20.4 | $29.9 | +10.9% | 36.7% |
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 181 banks headquartered in Kansas.
Equity Bank leads with $2.5 billion in CRE loans and +55.0% year over year growth. Capitol Federal Savings Bank and Intrust Bank, N.A. each report $2.1 billion, but their portfolios differ. Capitol Federal holds $1.4 billion in investor nonfarm nonresidential loans, while Intrust reports $509.3 million in owner occupied loans and $342.0 million in multifamily loans. Security Bank of Kansas City has the highest CRE share among the leaders at 82.6%, with an investor CRE to equity ratio of 3.46x. Emprise Bank reports a higher 4.31x ratio, while Cornerstone Bank reaches 4.95x, high relative to the other banks in the table. Growth is not uniform. Fidelity Bank, N.A. reports -1.3%, The First National Bank of Hutchinson reports -2.3%, and Armed Forces Bank, N.A. reports -18.5%.
Out of state banks with branches in Kansas
| Bank | Headquarters state | Branches in Kansas | Deposits in Kansas ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Bank of America, N.A. | North Carolina | 24 | $7,266 | $79,906 |
| Commerce Bank | Missouri | 33 | $4,574 | $5,365 |
| U.S. Bank, N.A. | Ohio | 23 | $3,786 | $50,718 |
| UMB Bank, N.A. | Missouri | 28 | $3,051 | $15,713 |
| First National Bank of Omaha | Nebraska | 20 | $1,845 | $6,021 |
| Sunflower Bank, N.A. | Texas | 23 | $1,619 | $5,082 |
| BOKF, N.A. | Oklahoma | 2 | $1,426 | $11,334 |
| Enterprise Bank & Trust | Missouri | 8 | $1,186 | $6,154 |
| The Central Trust Bank | Missouri | 21 | $1,092 | $5,466 |
| BMO Bank, N.A. | Illinois | 24 | $1,058 | $28,802 |
| Wells Fargo Bank, N.A. | South Dakota | 7 | $1,051 | $121,623 |
| Busey Bank | Illinois | 3 | $955 | $6,480 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Kansas only; CRE loans are bank wide.
The ranking provides a practical starting point for a loan search
Total CRE loans are the primary ranking measure. Portfolio size can help borrowers identify banks with demonstrated appetite and potential hold capacity, although it does not confirm interest in a specific transaction. Equity Bank ranks first with $2.5 billion, followed by Capitol Federal Savings Bank and Intrust Bank, N.A. at $2.1 billion each. A borrower can begin with institutions whose overall scale and property exposure resemble the proposed financing, then contact several banks to test present interest.
Growth and concentration add context to size. Equity Bank’s CRE portfolio increased +55.0% year over year, while Community National Bank & Trust increased +14.3% and Legacy Bank increased +16.0%. Positive growth shows that a bank has been adding CRE loans, but it does not establish current approval standards. A high CRE share or investor CRE to equity ratio can signal that a bank will be selective as it manages existing exposure. Local relationships, deposits, sponsorship and transaction details remain important parts of a bank’s decision process.
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Tell Us About Your DealHow BestCRE Capital WorksPortfolio mix identifies where reported exposure is concentrated
The component categories show where each bank’s reported CRE balance sits. Equity Bank reports $711.4 million in construction and land loans, the largest component of that type among the ranked banks, along with $1.0 billion in investor nonfarm nonresidential loans. Capitol Federal Savings Bank reports $1.4 billion in investor nonfarm nonresidential loans. KS StateBank stands out for $492.7 million in owner occupied loans within a $951.3 million CRE portfolio, while Intrust Bank, N.A. reports $342.0 million in multifamily loans.
Concentration measures should be read alongside the mix. Security Bank of Kansas City has CRE equal to 82.6% of total loans, compared with 25.3% at Capitol Federal Savings Bank. Cornerstone Bank reports an investor CRE to equity ratio of 4.95x, while Farmers Bank & Trust reports 0.83x. These figures describe balance sheet exposure, not loan availability. A bank with substantial exposure to a category may have extensive activity there, yet its concentration can also signal greater selectivity for additional loans. Borrowers should treat the measures as screening indicators and ask each bank about current capacity.
Kansas borrowers have options beyond locally headquartered banks
This table ranks banks headquartered in Kansas. It does not rank every bank with a Kansas presence. The FDIC Summary of Deposits 2026 shows several out of state institutions operating local branches. Bank of America, N.A., headquartered in North Carolina, has 24 Kansas branches and $7.3 billion in Kansas deposits. Commerce Bank, headquartered in Missouri, has 33 branches and $4.6 billion in deposits, while U.S. Bank, N.A., headquartered in Ohio, has 23 branches and $3.8 billion in deposits. Their reported CRE totals cover all states, not Kansas alone.
Borrowers can also compare debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. Those sources do not appear in bank Call Reports and may evaluate transactions under different programs. Comparing several sources helps a borrower assess available structure, pricing and execution for a particular property rather than relying on portfolio size alone. The benchmark rates as of Oct 26, 2026 provide market context: the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96%, and Fed funds is 3.88%. These benchmarks are not quoted loan rates.
Frequently Asked Questions
Which bank is the largest commercial real estate lender headquartered in Kansas?
Equity Bank ranks first among Kansas headquartered banks with $2.5 billion in total commercial real estate loans as of June 30, 2026. Its reported portfolio includes $711.4 million in construction and land loans, $248.2 million in multifamily loans, $558.4 million in owner occupied loans and $1.0 billion in investor nonfarm nonresidential loans. CRE accounts for 46.8% of its total loans, and its portfolio increased +55.0% year over year. The ranking describes reported balance sheet exposure and does not establish whether the bank will pursue or approve a particular request.
How concentrated is commercial real estate lending among Kansas banks?
Kansas has 181 headquartered banks reporting $23.5 billion in total CRE loans as of June 30, 2026. The largest institutions account for a meaningful portion of that exposure, with the top five representing 42.0% of CRE loans held by Kansas headquartered banks. The 25 banks included in BestCRE’s ranked table hold $17.7 billion. Concentration at the state level shows that a relatively limited group of institutions carries much of the reported volume, but borrowers still have numerous community and regional banks to consider across different portfolio sizes and headquarters markets.
Are Kansas banks increasing their commercial real estate lending?
CRE loans at the 181 banks headquartered in Kansas increased +11.3% year over year to $23.5 billion as of June 30, 2026. Results vary substantially by institution. Equity Bank reports +55.0% growth, Capitol Federal Savings Bank reports +24.7%, and Legacy Bank reports +16.0%. Other portfolios contracted, including Fidelity Bank, N.A. at -1.3%, Great American Bank at -9.0% and Armed Forces Bank, N.A. at -18.5%. Growth shows the direction of reported balances, but it does not indicate the reason for the change or a bank’s current willingness to fund a new request.
What does investor CRE to equity mean for a borrower?
Investor CRE to equity compares investor commercial real estate loans, including construction, multifamily and non owner occupied nonfarm loans, with total equity capital. It provides a standardized view of exposure relative to a bank’s capital base. In this table, Cornerstone Bank reports 4.95x, Emprise Bank and CoreFirst Bank & Trust each report 4.31x, and Farmers Bank & Trust reports 0.83x. A high ratio relative to other banks can signal that an institution may be selective as it manages concentration. The figure is a screening measure, not a prediction of credit approval or evidence of current loan capacity.
How does the Kansas ranking compare with the national bank market?
Across 4,167 banks, total reported CRE loans are $3.07 trillion as of June 30, 2026. Kansas leaders occupy a range of national positions. Equity Bank is national rank 185 with $2.5 billion, Capitol Federal Savings Bank is national rank 220 with $2.1 billion, and Intrust Bank, N.A. is national rank 224 with $2.1 billion. Security Bank of Kansas City is national rank 260 with $1.7 billion. These positions provide scale context for Kansas institutions, but the national ranking does not indicate whether a bank lends in a borrower’s specific market or supports a particular transaction type.
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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.