Texas borrowers looking for construction financing have a broad group of locally headquartered banks to consider. BestCRE ranks 20 banks by construction, land development and other land loans reported on June 30, 2026. Together, these banks hold $17.6 billion in that category and $65.9 billion in total commercial real estate loans. The ranking isolates one segment of each bank’s CRE portfolio rather than measuring total originations, commitments or lending activity within Texas. The main state ranking uses total CRE loans, while this page focuses specifically on construction and land exposure. FDIC Call Reports identify loans held by each bank but do not disclose individual projects, pricing, underwriting terms or geographic allocation.
The broader Texas banking market includes 345 banks headquartered in the state, with $149.3 billion in total CRE loans. Those portfolios increased +9.0% year over year, and the largest institutions account for a meaningful share of the market. The top five share of state headquartered CRE is 24.1%. The ranked banks differ substantially in portfolio size, property mix, growth and concentration. Those differences can help borrowers identify institutions whose reported balance sheets align with a proposed project. They do not establish whether a bank will approve a particular request. Credit decisions remain specific to the borrower, property, market, relationship and structure under consideration.
Texas banks ranked by construction and land loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Prosperity Bank | El Campo, TX | $10,365 | $3,144 | $680 | $2,593 | +19.1% | 41.4% |
| 2 | Frost Bank | San Antonio, TX | $10,734 | $2,736 | $239 | $4,370 | +9.0% | 46.7% |
| 3 | International Bank of Commerce | Laredo, TX | $4,813 | $1,749 | $807 | $416 | +9.2% | 66.6% |
| 4 | First Financial Bank | Abilene, TX | $3,167 | $1,191 | $93.5 | $1,144 | +4.1% | 37.8% |
| 5 | PlainsCapital Bank | University Park, TX | $4,692 | $984 | $364 | $1,453 | +9.9% | 50.6% |
| 6 | Stellar Bank | HOUSTON, TX | $4,712 | $980 | $487 | $1,779 | +0.4% | 62.7% |
| 7 | Third Coast Bank | Humble, TX | $2,463 | $888 | $59.0 | $584 | +29.3% | 45.3% |
| 8 | Texas Capital Bank | Dallas, TX | $5,007 | $885 | $1,530 | $987 | -8.8% | 20.1% |
| 9 | Southside Bank | Tyler, TX | $3,334 | $600 | $642 | $362 | +9.5% | 67.4% |
| 10 | Vantage Bank Texas | San Antonio, TX | $2,153 | $555 | $79.9 | $560 | +8.4% | 52.2% |
| 11 | The American National Bank of Texas | Terrell, TX | $2,086 | $502 | $148 | $690 | +4.6% | 61.3% |
| 12 | City Bank | Lubbock, TX | $2,007 | $484 | $230 | $530 | +26.0% | 53.1% |
| 13 | TexasBank | Fort Worth, TX | $881 | $431 | $69.1 | $126 | +13.2% | 41.2% |
| 14 | Pinnacle Bank | Fort Worth, TX | $1,357 | $414 | $142 | $257 | +9.7% | 71.0% |
| 15 | Falcon International Bank | Laredo, TX | $1,158 | $378 | $120 | $219 | +10.3% | 79.3% |
| 16 | Texas Bank and Trust Company | Longview, TX | $2,120 | $374 | $292 | $476 | -4.9% | 61.8% |
| 17 | Security State Bank & Trust | Fredericksburg, TX | $863 | $355 | $76.5 | $199 | +11.7% | 55.5% |
| 18 | WestStar Bank | El Paso, TX | $1,829 | $332 | $266 | $374 | +10.0% | 72.5% |
| 19 | International Bank of Commerce | Brownsville, TX | $1,007 | $331 | $157 | $111 | +3.6% | 63.9% |
| 20 | Austin Bank, Texas, N.A. | Jacksonville, TX | $1,129 | $330 | $16.5 | $460 | +0.2% | 45.2% |
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 20 of 333 banks headquartered in Texas that hold this loan type.
Prosperity Bank leads with $3.1 billion in construction and land loans, ahead of Frost Bank at $2.7 billion and International Bank of Commerce in Laredo at $1.7 billion. Frost Bank has the largest total CRE portfolio among those leaders at $10.7 billion, compared with $10.4 billion for Prosperity Bank. Portfolio mixes vary. International Bank of Commerce reports a 66.6% CRE share of loans, while Texas Capital Bank reports 20.1% and the table’s largest multifamily balance at $1.5 billion. Growth also differs sharply. Third Coast Bank’s CRE balance increased +29.3%, City Bank’s increased +26.0%, and Prosperity Bank’s increased +19.1%. Texas Capital Bank declined -8.8%, while Texas Bank and Trust Company declined -4.9%. Concentration measures provide another distinction. The American National Bank of Texas reports investor CRE equal to 4.25x equity, relatively high within the table, while Prosperity Bank reports a comparatively low 0.96x.
Out of state banks with branches in Texas
| Bank | Headquarters state | Branches in Texas | Deposits in Texas ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| JPMorgan Chase Bank, N.A. | Ohio | 489 | $308,313 | $179,847 |
| Bank of America, N.A. | North Carolina | 313 | $199,803 | $79,906 |
| Wells Fargo Bank, N.A. | South Dakota | 457 | $94,362 | $121,623 |
| Citibank, N.A. | South Dakota | 2 | $31,012 | $26,036 |
| PNC Bank, N.A. | Delaware | 319 | $30,127 | $47,133 |
| The Huntington National Bank | Ohio | 145 | $28,027 | $37,932 |
| Zions Bancorporation, N.A. | Utah | 77 | $15,381 | $23,684 |
| Truist Bank | North Carolina | 96 | $11,314 | $51,018 |
| Fifth Third Bank, N.A. | Ohio | 110 | $10,726 | $33,581 |
| BOKF, N.A. | Oklahoma | 33 | $10,167 | $11,334 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Texas only; CRE loans are bank wide.
Portfolio size and activity help narrow a lender search
A large construction and land balance can indicate established appetite and capacity to hold these loans. Total CRE loans add context because they show the scale of the broader property portfolio. Prosperity Bank reports $3.1 billion in construction and land loans within a $10.4 billion CRE book. First Financial Bank reports $1.2 billion within $3.2 billion of CRE loans. Borrowers can use those balances to identify an initial group of banks whose reported activity is proportionate to the financing request.
The remaining columns refine that initial screen. Loan mix shows where a bank is most active, year over year change shows which institutions are adding or reducing CRE balances, and concentration can signal a bank that will be selective. Bank lending is relationship driven and local, so the ranking is best used as a call list rather than an approval forecast. Borrowers should compare several banks and ask each institution directly about current interest, market coverage and fit for the proposed transaction.
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Construction lending sits alongside multifamily, owner occupied property and investor nonfarm nonresidential lending in each CRE portfolio. Frost Bank reports $4.4 billion of owner occupied loans, compared with $2.7 billion in construction and land loans and $239.2 million in multifamily loans. Texas Capital Bank shows a different mix, with $1.5 billion in multifamily loans and $884.6 million in construction and land loans. Southside Bank reports $1.7 billion in investor nonfarm nonresidential loans and $600.1 million in construction and land loans.
CRE share of total loans and investor CRE relative to equity show how heavily each balance sheet is oriented toward property credit. Falcon International Bank reports a 79.3% CRE share of loans, while Pinnacle Bank reports 71.0% and WestStar Bank reports 72.5%. Investor CRE to equity is relatively high at Vantage Bank Texas at 3.62x and WestStar Bank at 3.79x. Frost Bank reports 1.37x, and Austin Bank, Texas, N.A. reports 1.33x. These measures describe concentration, not the availability or terms of a specific loan.
Texas borrowers can compare local banks with other capital sources
This ranking includes banks headquartered in Texas. Banks headquartered elsewhere also lend through Texas branches, but their FDIC Call Reports combine loans held across all states. JPMorgan Chase Bank, N.A. has 489 Texas branches and $308.3 billion of deposits in the state, while holding $179.8 billion in total CRE loans nationally. Bank of America, N.A. has 313 Texas branches and $199.8 billion of state deposits. Wells Fargo Bank, N.A. has 457 branches and $94.4 billion of Texas deposits.
Other banks with a substantial local presence include PNC Bank, N.A., with 319 Texas branches and $30.1 billion of state deposits, and The Huntington National Bank, with 145 branches and $28.0 billion. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call report rankings. Comparing several sources matters because lender eligibility, property focus and execution can differ even when reported balance sheets look similar. The ranking identifies active balance sheets, while direct discussions establish current fit.
Frequently Asked Questions
Which Texas bank has the most construction and land loans?
Prosperity Bank ranks first among Texas headquartered banks, with $3.1 billion in construction, land development and other land loans as of June 30, 2026. It reports $10.4 billion in total CRE loans, including $680.2 million in multifamily loans, $2.6 billion in owner occupied loans and $3.9 billion in investor nonfarm nonresidential loans. Its CRE portfolio increased +19.1% year over year and represents 41.4% of total loans. These balances show the size and composition of the bank’s reported portfolio, but they do not indicate whether a particular project will qualify.
Why are there two banks named International Bank of Commerce?
The FDIC records two separate Texas headquartered banks with the name International Bank of Commerce. The Laredo institution ranks third, with $1.7 billion in construction and land loans and $4.8 billion in total CRE loans. The Brownsville institution ranks nineteenth, with $331.3 million in construction and land loans and $1.0 billion in total CRE loans. Their headquarters, portfolio balances and national ranks distinguish them. Borrowers should verify the specific legal institution and location when making contact, particularly when names are identical.
What does the national rank mean for a Texas construction lender?
The national rank places each bank’s total CRE loan balance among 4,167 banks reporting $3.07 trillion of CRE loans. It does not rank construction lending alone or measure lending completed in Texas. Frost Bank has a national rank of 46 with $10.7 billion in total CRE loans, while Prosperity Bank has a national rank of 50 with $10.4 billion. Texas Capital Bank ranks 106 nationally with $5.0 billion. The Texas table itself is ordered by construction, land development and other land loans, so its sequence can differ from the national total CRE ranking.
How current are the construction lending figures?
The portfolio figures come from FDIC Call Reports dated June 30, 2026. They are balance sheet amounts reported for that date, not live indications of credit availability. Market benchmarks can move after a reporting date. 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 provide market context only and do not represent an offered construction loan rate from any bank in the ranking.
Does a larger construction loan balance mean a bank will approve my project?
No. A larger reported balance shows that a bank holds more construction, land development and other land loans, but it does not disclose current underwriting decisions. Third Coast Bank, for example, reports $887.8 million in construction and land loans and +29.3% year over year CRE growth. Texas Capital Bank reports a similar $884.6 million balance but -8.8% CRE change. Those figures identify different recent portfolio directions, not approval probabilities. Borrowers still need to discuss the property, market, sponsorship, relationship and proposed structure directly with each institution.
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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.
