Wyoming’s 24 headquartered banks reported $2.6 billion in total commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. Their combined CRE balances increased +9.9% year over year, while the top five banks held 57.3% of the statewide total. BestCRE ranks these institutions by total CRE loans, using schedule RC-C of the Reports of Condition and Income. The table separates construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances, allowing borrowers to compare both portfolio scale and reported lending mix. It also shows year over year change, CRE share of total loans, investor CRE relative to equity, and national rank.
This is a ranking of banks headquartered in Wyoming, not every institution that can finance property in the state. Banks based elsewhere may operate Wyoming branches and hold substantial CRE portfolios across multiple states. The FDIC Summary of Deposits 2026 identifies those local branch networks and their deposits in Wyoming, while call reports show each institution’s total CRE loans across all states. Borrowers should treat the ranking as a starting point for identifying active bank lenders. Reported portfolio size, mix, growth, and concentration help narrow a search, but they do not establish whether a bank will finance a particular property, borrower, location, or transaction.
Wyoming banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Pinnacle Bank – Wyoming | Cody, WY | $447 | $62.8 | $27.2 | $121 | +14.4% | 47.8% |
| 2 | Hilltop National Bank | Casper, WY | $346 | $103 | $54.0 | $77.0 | +21.8% | 52.4% |
| 3 | First Northern Bank of Wyoming | Buffalo, WY | $268 | $57.4 | $25.0 | $126 | +21.5% | 41.4% |
| 4 | Platte Valley Bank | Torrington, WY | $235 | $40.0 | $10.5 | $95.9 | +1.7% | 34.9% |
| 5 | Jonah Bank of Wyoming | Casper, WY | $213 | $35.4 | $15.3 | $94.0 | +6.1% | 53.9% |
| 6 | First Federal Bank & Trust | Sheridan, WY | $208 | $31.7 | $21.8 | $7.3 | +4.6% | 42.7% |
| 7 | Security State Bank | Basin, WY | $101 | $19.1 | $12.0 | $25.2 | +13.1% | 38.9% |
| 8 | RSNB Bank | Rock Springs, WY | $89.8 | $21.9 | $7.3 | $55.4 | +1.2% | 59.7% |
| 9 | First National Bank of Gillette | Gillette, WY | $83.7 | $11.7 | $7.5 | $51.6 | +3.2% | 51.0% |
| 10 | RNB STATE BANK | Rawlins, WY | $81.8 | $8.0 | $7.3 | $22.6 | +5.7% | 50.7% |
| 11 | Bank of Star Valley | Afton, WY | $72.1 | $28.5 | $8.4 | $24.0 | -3.5% | 31.4% |
| 12 | Tanager Bank | Jackson, WY | $61.9 | $5.6 | $5.8 | $4.8 | +0.7% | 81.2% |
| 13 | Buffalo Federal Bank | Buffalo, WY | $58.2 | $7.0 | $0.9 | $20.5 | -2.2% | 38.0% |
| 14 | Central Bank and Trust | Lander, WY | $54.6 | $18.3 | $3.7 | $16.6 | +15.4% | 48.9% |
| 15 | State Bank | Green River, WY | $53.2 | $6.4 | $3.9 | $25.7 | +13.6% | 57.5% |
| 16 | Sundance State Bank | Sundance, WY | $53.1 | $11.1 | $1.9 | $19.7 | +18.7% | 27.9% |
| 17 | Bank of Commerce | Rawlins, WY | $47.4 | $13.9 | $7.4 | $15.1 | +11.7% | 41.1% |
| 18 | Wyoming Community Bank | Riverton, WY | $43.1 | $8.0 | $0.2 | $22.5 | -10.1% | 25.5% |
| 19 | Big Horn Federal Savings Bank | Greybull, WY | $42.8 | $5.2 | $0.4 | $14.8 | +7.6% | 23.4% |
| 20 | The Converse County Bank | Douglas, WY | $38.4 | $1.9 | $0.0 | $12.3 | +7.3% | 12.4% |
| 21 | Cowboy State Bank | Ranchester, WY | $19.0 | $2.6 | $0.0 | $1.4 | +7.2% | 55.4% |
| 22 | Summit National Bank | Hulett, WY | $6.8 | $0.4 | $0.0 | $1.2 | -18.5% | 20.5% |
| 23 | Farmers State Bank | Pine Bluffs, WY | $6.6 | $2.1 | $0.0 | $2.0 | +21.9% | 40.0% |
| 24 | 2unifi Bank | Jackson, WY | $2.3 | $0.0 | $0.0 | $1.1 | +85.7% | 40.7% |
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.
Pinnacle Bank – Wyoming leads with $446.6 million in CRE loans and +14.4% year over year growth. Hilltop National Bank follows at $345.9 million, including $102.9 million in construction and land loans and $54.0 million in multifamily loans. First Northern Bank of Wyoming ranks third with $268.1 million and the largest owner occupied balance among those leaders at $126.0 million. Portfolio mix varies sharply. First Federal Bank & Trust reports $146.7 million in investor nonfarm nonresidential loans but only $7.3 million in owner occupied loans, while RSNB Bank reports $55.4 million owner occupied and $5.3 million investor nonfarm nonresidential. Tanager Bank has the highest CRE share of loans shown at 81.2%. RNB STATE BANK’s investor CRE to equity ratio is 3.19x, high relative to most banks in the table. Growth also differs, ranging from +85.7% at 2unifi Bank to -18.5% at Summit National Bank.
Out of state banks with branches in Wyoming
| Bank | Headquarters state | Branches in Wyoming | Deposits in Wyoming ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| First Interstate Bank | Montana | 15 | $2,773 | $8,497 |
| Wells Fargo Bank, N.A. | South Dakota | 16 | $2,310 | $121,623 |
| Glacier Bank | Montana | 17 | $1,422 | $12,859 |
| NBH Bank | Colorado | 7 | $1,400 | $4,089 |
| U.S. Bank, N.A. | Ohio | 9 | $897 | $50,718 |
| ANB Bank | Colorado | 6 | $780 | $701 |
| BMO Bank, N.A. | Illinois | 17 | $459 | $28,802 |
| Riverstone Bank | Nebraska | 3 | $340 | $266 |
| Bank of Bridger, N.A. | Montana | 4 | $326 | $88.9 |
| First Western Trust Bank | Colorado | 3 | $320 | $1,182 |
| First National Bank of Omaha | Nebraska | 4 | $277 | $6,021 |
| First National Bank | South Dakota | 2 | $255 | $861 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Wyoming only; CRE loans are bank wide.
Portfolio evidence can focus a commercial loan search
A larger CRE book can indicate greater appetite and hold capacity, making total CRE loans a practical first screen. Borrowers can then use the category balances to identify banks whose reported portfolios resemble the financing need. Hilltop National Bank, for example, reports $102.9 million in construction and land loans, while Pinnacle Bank – Wyoming reports $235.9 million in investor nonfarm nonresidential loans. Those balances show where each institution already has exposure. They do not describe available programs, approval standards, pricing, or terms, so a high ranking should lead to a direct conversation rather than an assumption that a loan will fit.
Year over year change helps identify banks that are adding or reducing CRE balances. Hilltop National Bank grew +21.8%, First Northern Bank of Wyoming grew +21.5%, and Wyoming Community Bank declined -10.1%. Concentration adds another screen because a bank with a large CRE share or a high investor CRE to equity ratio may be selective about additional exposure. Bank lending remains relationship driven and local. Borrowers should contact several institutions, explain the property and requested structure consistently, and compare responses rather than treating rank alone as a credit decision.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix reveals distinct areas of reported activity
The 24 Wyoming headquartered banks collectively report $501.8 million in construction and land loans, $220.6 million in multifamily loans, $857.3 million in owner occupied loans, and $1.1 billion in investor nonfarm nonresidential loans. Individual portfolios differ materially within those categories. Platte Valley Bank reports $95.9 million owner occupied and $88.7 million investor nonfarm nonresidential, while Jonah Bank of Wyoming reports $94.0 million and $68.5 million, respectively. These category balances help borrowers distinguish banks with substantial business property exposure from those weighted toward income producing real estate or development.
Concentration measures portfolio exposure, not lending quality or willingness to approve a new request. Tanager Bank reports CRE equal to 81.2% of total loans, compared with 12.4% at The Converse County Bank. First Federal Bank & Trust has an investor CRE to equity ratio of 3.02x, while First National Bank of Gillette reports 0.41x. A high figure relative to other banks in the table can signal that a lender will be selective as it manages existing exposure. A lower figure can indicate less balance sheet concentration, but it does not establish appetite for a particular transaction.
Wyoming borrowers have additional bank and nonbank options
The headquarters filter excludes several large institutions with Wyoming branches. First Interstate Bank, headquartered in Montana, has 15 branches and $2.8 billion in Wyoming deposits, while reporting $8.5 billion in CRE loans across all states. Wells Fargo Bank, N.A., headquartered in South Dakota, has 16 branches, $2.3 billion in Wyoming deposits, and $121.6 billion in total CRE loans. Glacier Bank has 17 branches, $1.4 billion in Wyoming deposits, and $12.9 billion in CRE loans across all states. These figures establish a local presence and overall CRE scale, but they do not allocate each bank’s CRE portfolio to Wyoming.
Borrowers can also compare debt funds, life companies, CMBS lenders, agency lenders, and SBA lenders. These nonbank sources do not appear in bank call reports, so the FDIC ranking cannot measure their activity against the Wyoming headquartered banks. Comparing several sources matters because lender type, property fit, relationship requirements, and balance sheet exposure can affect whether a transaction receives attention. The most useful process is to use reported bank data to build a focused contact list, include relevant out of state banks with local branches, and evaluate nonbank channels appropriate to the property and financing request.
Frequently Asked Questions
How did BestCRE rank commercial real estate lenders in Wyoming?
BestCRE ranks banks headquartered in Wyoming 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, using schedule RC-C. Total CRE combines reported construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. The FDIC Summary of Deposits 2026 is used separately to identify out of state banks with Wyoming branches and measure their deposits in the state. The table includes 24 Wyoming headquartered banks with a combined $2.6 billion in CRE loans.
Which Wyoming bank has the largest commercial real estate portfolio?
Pinnacle Bank – Wyoming has the largest reported CRE portfolio among banks headquartered in the state, with $446.6 million as of June 30, 2026. Its portfolio includes $62.8 million in construction and land loans, $27.2 million in multifamily loans, $120.7 million in owner occupied loans, and $235.9 million in investor nonfarm nonresidential loans. CRE represents 47.8% of its total loans, and its reported CRE balance increased +14.4% year over year. Its national rank by total CRE loans is 811.
Which Wyoming banks reported the strongest CRE loan growth?
2unifi Bank reported the highest percentage increase in the table at +85.7%, although its CRE portfolio was $2.3 million. Among larger portfolios, Farmers State Bank reported +21.9%, Hilltop National Bank reported +21.8%, and First Northern Bank of Wyoming reported +21.5%. Central Bank and Trust grew +15.4%, while Pinnacle Bank – Wyoming grew +14.4%. Growth identifies banks adding reported CRE balances, but it does not show the cause, current capacity, or willingness to fund a specific request. Portfolio size and category mix should be considered alongside the change.
What does the national rank tell a Wyoming commercial borrower?
The national rank places each Wyoming headquartered bank against 4,167 banks reporting $3.07 trillion in total CRE loans. Pinnacle Bank – Wyoming ranks 811 nationally, Hilltop National Bank ranks 1006, and First Northern Bank of Wyoming ranks 1196. The position provides context for portfolio scale beyond Wyoming, where smaller local institutions may still be significant relationship lenders. National rank does not measure loan quality, borrower experience, approval probability, or local market knowledge. It is best used as a size comparison together with the Wyoming ranking, portfolio categories, growth, and concentration measures.
What interest rate benchmarks should Wyoming CRE borrowers watch?
Common market benchmarks as of Oct 26, 2026 include the Prime rate at 7.00%, SOFR at 3.89%, the 5 year Treasury at 4.78%, the 10 year Treasury at 4.96%, and Fed funds at 3.88%. These benchmarks provide market context but are not quoted loan rates from the banks in the ranking. FDIC Call Reports show reported loan balances and portfolio composition, not transaction pricing. A borrower’s actual rate and structure cannot be inferred from a bank’s CRE total, growth rate, concentration, or position in the table.
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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.