Missouri borrowers have a broad group of locally headquartered banks with meaningful commercial real estate portfolios. The 25 banks in the table report $57.7 billion in total CRE loans, including $11.8 billion in construction and land loans, $7.7 billion in multifamily loans, $15.8 billion in owner occupied loans and $22.3 billion in investor nonfarm nonresidential loans. BestCRE ranks these institutions by total commercial real estate loans as of June 30, 2026. The figures come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. They describe each bank’s reported portfolio, not its current lending terms or willingness to approve a particular transaction.
The ranking is limited to banks headquartered in Missouri. The state has 192 headquartered banks reporting $74.5 billion in total CRE loans, up +5.6% year over year. The top five account for 48.2% of that total. This headquarters based approach provides a consistent comparison of entire bank portfolios, but it does not capture every lender available to a Missouri property owner. Banks based in other states serve the market through Missouri branches, while debt funds, life companies, CMBS, agency and SBA lenders do not appear in bank call reports. Borrowers should treat the table as a starting point for identifying institutions whose reported portfolios align with a proposed property and loan.
Missouri banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | UMB Bank, N.A. | Kansas City, MO | $15,713 | $2,927 | $1,725 | $5,005 | +2.5% | 38.2% |
| 2 | Enterprise Bank & Trust | Clayton, MO | $6,154 | $663 | $384 | $2,386 | +5.3% | 51.7% |
| 3 | The Central Trust Bank | Jefferson City, MO | $5,466 | $919 | $857 | $1,304 | +4.0% | 46.7% |
| 4 | Commerce Bank | Kansas City, MO | $5,365 | $1,498 | $290 | $1,425 | +8.2% | 25.7% |
| 5 | Great Southern Bank | Reeds Spring, MO | $3,211 | $402 | $1,347 | $170 | -5.6% | 73.3% |
| 6 | Southern Bank | Poplar Bluff, MO | $2,176 | $310 | $470 | $472 | +4.3% | 49.5% |
| 7 | First Bank | St. Louis, MO | $1,904 | $199 | $191 | $620 | +7.1% | 44.7% |
| 8 | First State Community Bank | Farmington, MO | $1,680 | $439 | $169 | $419 | +14.0% | 48.7% |
| 9 | Academy Bank, N.A. | Kansas City, MO | $1,483 | $233 | $200 | $334 | +10.8% | 59.5% |
| 10 | Midwest BankCentre | Lemay, MO | $1,474 | $270 | $215 | $329 | +5.1% | 60.3% |
| 11 | Oakstar Bank | Springfield, MO | $1,465 | $281 | $227 | $485 | +16.3% | 50.6% |
| 12 | Stifel Bank and Trust | Saint Louis, MO | $1,383 | $974 | $0.0 | $18.9 | -15.7% | 9.1% |
| 13 | Guaranty Bank | Springfield, MO | $1,352 | $346 | $399 | $146 | +4.6% | 73.7% |
| 14 | First Bank of the Lake | Osage Beach, MO | $1,170 | $106 | $0.0 | $1,060 | +32.1% | 53.8% |
| 15 | Legacy Bank & Trust Company | Mountain Grove, MO | $1,114 | $454 | $456 | $80.8 | -7.4% | 75.4% |
| 16 | The Bank of Missouri | Perryville, MO | $1,073 | $288 | $113 | $325 | +26.1% | 33.7% |
| 17 | Omb Bank | Springfield, MO | $939 | $225 | $146 | $246 | +16.8% | 45.6% |
| 18 | Hawthorn Bank | Jefferson City, MO | $761 | $128 | $144 | $179 | -0.4% | 53.7% |
| 19 | SULLIVAN BANK | Sullivan, MO | $586 | $219 | $114 | $159 | +13.6% | 49.3% |
| 20 | North American Savings Bank, F.S.B. | Grandview, MO | $561 | $455 | $13.3 | $0.1 | +24.9% | 25.7% |
| 21 | Midwest Regional Bank | Clayton, MO | $555 | $162 | $62.1 | $191 | -17.2% | 72.4% |
| 22 | Bank of Washington | Washington, MO | $552 | $83.6 | $85.2 | $149 | -1.1% | 53.6% |
| 23 | Royal Banks of Missouri | Saint Louis, MO | $522 | $30.6 | $57.2 | $88.5 | +2.9% | 64.7% |
| 24 | St. Louis Bank | Saint Louis, MO | $513 | $99.0 | $49.6 | $138 | +19.6% | 56.4% |
| 25 | The Nodaway Valley Bank | Maryville, MO | $508 | $86.8 | $29.9 | $116 | +8.1% | 49.0% |
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. Table shows the top 25 of 192 banks headquartered in Missouri.
UMB Bank, N.A. is the clear size leader at $15.7 billion and ranks 34 nationally. Its portfolio includes $6.1 billion of investor nonfarm nonresidential loans and $5.0 billion of owner occupied loans. Enterprise Bank & Trust is second at $6.2 billion, while The Central Trust Bank and Commerce Bank are close at $5.5 billion and $5.4 billion. Portfolio mixes differ materially. Great Southern Bank reports $1.3 billion in multifamily loans, while Stifel Bank and Trust reports $974.5 million in construction and land loans and $0 in multifamily loans. Growth also varies. First Bank of the Lake posted +32.1% year over year growth, compared with -17.2% at Midwest Regional Bank. Concentration ranges from a 1.02x investor CRE to equity ratio at Commerce Bank and Stifel Bank and Trust to 5.01x at Great Southern Bank, which is high relative to the other banks in the table.
Out of state banks with branches in Missouri
| Bank | Headquarters state | Branches in Missouri | Deposits in Missouri ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| U.S. Bank, N.A. | Ohio | 129 | $24,183 | $50,718 |
| Bank of America, N.A. | North Carolina | 51 | $20,472 | $79,906 |
| Regions Bank | Alabama | 48 | $4,269 | $16,257 |
| PNC Bank, N.A. | Delaware | 27 | $3,372 | $47,133 |
| Simmons Bank | Arkansas | 47 | $3,312 | $10,727 |
| Arvest Bank | Arkansas | 38 | $2,454 | $7,489 |
| BMO Bank, N.A. | Illinois | 23 | $1,965 | $28,802 |
| NBH Bank | Colorado | 18 | $1,825 | $4,089 |
| Carrollton Bank | Illinois | 6 | $1,824 | $1,211 |
| Busey Bank | Illinois | 9 | $1,735 | $6,480 |
| JPMorgan Chase Bank, N.A. | Ohio | 44 | $1,227 | $179,847 |
| First National Bank of Omaha | Nebraska | 10 | $1,105 | $6,021 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Missouri only; CRE loans are bank wide.
Portfolio size and growth help narrow a lender search
A large CRE book can indicate established appetite and capacity to hold commercial property loans, but it does not establish that a bank will finance a particular request. Borrowers can begin with total CRE loans, then compare the category that matches the property. Year over year growth shows which institutions are adding loans at the reporting date. First State Community Bank, for example, reports $1.7 billion in CRE loans and +14.0% growth, while Oakstar Bank reports $1.5 billion and +16.3% growth.
The search should then move from portfolio evidence to direct conversations. Bank lending is relationship driven and local, and approval depends on factors that call reports do not show. A borrower should contact several banks with relevant portfolios, describe the property and financing request consistently, and compare current responses. A ranking identifies plausible calls; it does not replace underwriting discussions. Reported size, mix, growth and concentration are most useful when considered together rather than treated as independent verdicts.
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The category columns show where reported balances sit. Enterprise Bank & Trust has $2.4 billion in owner occupied loans and $2.7 billion in investor nonfarm nonresidential loans. The Central Trust Bank reports $856.5 million in multifamily loans, while Commerce Bank reports $1.5 billion in construction and land loans. First Bank of the Lake is especially weighted toward owner occupied property, with $1.1 billion in that category and $3.6 million in investor nonfarm nonresidential loans.
Concentration provides another lens on potential selectivity. CRE represents 73.7% of loans at Guaranty Bank and 75.4% at Legacy Bank & Trust Company, compared with 25.7% at Commerce Bank. Investor CRE to equity is 3.91x at St. Louis Bank, 3.65x at Midwest Regional Bank and 0.65x at First Bank of the Lake. A high ratio relative to other banks in the table can signal that an institution will be selective. It does not reveal the terms or outcome of a new request.
Missouri borrowers have options beyond headquartered banks
Several banks headquartered elsewhere maintain substantial Missouri branch networks and deposits. U.S. Bank, N.A., based in Ohio, has 129 Missouri branches, $24.2 billion in state deposits and $50.7 billion in total CRE loans across all states. Bank of America, N.A. has 51 branches, $20.5 billion in Missouri deposits and $79.9 billion in total CRE loans across all states. Regions Bank has 48 branches, $4.3 billion in state deposits and $16.3 billion in total CRE loans across all states.
Other branch based options include PNC Bank, N.A., Simmons Bank, Arvest Bank, BMO Bank, N.A., NBH Bank, Carrollton Bank, Busey Bank, JPMorgan Chase Bank, N.A. and First National Bank of Omaha. Their total CRE balances cover all states, not Missouri alone. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, which are outside bank call reports. Comparing several bank and nonbank sources helps clarify which lender type is currently addressing the property, structure and relationship presented by the borrower.
Frequently Asked Questions
Where does BestCRE get its Missouri bank lending data?
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 Missouri deposit figures come from the FDIC Summary of Deposits 2026. Call reports provide standardized balance sheet information for insured banks, making portfolio comparisons possible across institutions. They do not report current quotes, approval standards or property specific decisions. The broader comparison covers 4,167 banks with $3.07 trillion in total CRE loans, while this page ranks Missouri headquartered institutions.
Does the largest CRE portfolio mean the best loan offer?
No. UMB Bank, N.A. leads the Missouri ranking with $15.7 billion in CRE loans, but portfolio size does not establish the pricing, structure or availability of a new loan. FDIC Call Reports show balances already held at the reporting date. They do not show current loan quotes, borrower requirements or approval decisions. Size is useful for identifying banks with substantial CRE exposure and potential hold capacity. Borrowers still need to speak with individual institutions and compare actual responses for the property and financing request under consideration.
Which Missouri banks reported the fastest CRE growth?
Among the ranked banks, First Bank of the Lake reports the highest listed year over year change at +32.1%, followed by The Bank of Missouri at +26.1% and North American Savings Bank, F.S.B. at +24.9%. St. Louis Bank reports +19.6%, Omb Bank +16.8% and Oakstar Bank +16.3%. These changes show movement in total reported CRE balances through June 30, 2026. Growth can help identify banks adding loans, but it does not show which property types produced the change or whether the same pace continued after the reporting date.
How do Missouri banks compare in the national CRE ranking?
UMB Bank, N.A. is ranked 34 nationally with $15.7 billion in CRE loans. Enterprise Bank & Trust is 89 with $6.2 billion, The Central Trust Bank is 97 with $5.5 billion and Commerce Bank is 98 with $5.4 billion. Great Southern Bank is 153 with $3.2 billion. National rank supplies scale context across FDIC reporting banks, but a lower national position does not imply that a bank is unsuitable for a local request. Property category, portfolio growth, concentration and direct lender discussions remain relevant.
What interest rate benchmarks apply when reviewing CRE financing?
As of Oct 26, 2026, the benchmark rates shown by BestCRE are a 7.00% Prime rate, 3.89% SOFR, 4.78% 5 year Treasury, 4.96% 10 year Treasury and 3.88% Fed funds rate. These are market reference points, not quoted loan rates from the banks in the ranking. FDIC Call Reports do not disclose the pricing currently available for a new property loan. Borrowers should ask each lender which benchmark applies, then compare the complete proposed economics and structure rather than treating any benchmark as the final borrowing cost.
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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.