Truist Bank is a Charlotte, North Carolina based institution established in 1872 and owned by Truist Financial Corp. The bank reported $548.3 billion in total assets and $332.2 billion in total loans as of June 30, 2026. Its $51.0 billion commercial real estate portfolio makes it one of the largest bank CRE lenders in the country. CRE represents 15.4% of total loans, while investor CRE equals 0.53x equity. These measures describe the bank’s existing balance sheet, not the terms or availability of its next loan. Borrowers still need to confirm current appetite for their property, market, sponsorship and transaction structure directly with Truist.
The portfolio spans owner occupied properties, investor nonfarm nonresidential assets, multifamily and construction and land loans. Truist states that it supports most CRE asset classes, including multifamily, industrial, retail, office, hospitality and student housing, generally focusing on projects requiring more than $250,000. Its stated capabilities cover acquisition and development, construction, bridge to agency, bridge, mini permanent, permanent, redevelopment, repositioning and homebuilder financing. Recent announced transactions also show activity across acquisition, construction, permanent, bridge and refinance loans. For borrowers, that breadth makes Truist relevant across several stages of an asset’s business plan, although stated capabilities do not guarantee approval or indicate pricing.
Truist holds a $51.0 billion CRE book led by owner occupied properties
FDIC figures as of June 30, 2026 show $51.0 billion of total CRE loans at Truist Bank, placing it 4 of 4,167 banks nationally and 2 of 37 banks headquartered in North Carolina. Owner occupied real estate is the largest component at $17.8 billion, representing 34.9% of CRE loans and ranking 3 nationally in that segment. Investor nonfarm nonresidential loans follow closely at $17.0 billion, or 33.3% of the portfolio, with a national segment rank of 5. Together, these categories show that the bank’s CRE exposure is weighted toward operating businesses that own their premises and investors holding income producing commercial properties.
Multifamily accounts for $8.7 billion, equal to 17.0% of Truist’s CRE loans and ranking 9 nationally in the segment. Construction and land loans total $7.6 billion, or 14.9% of CRE, with a national rank of 7. The mix indicates meaningful exposure across stabilized and development lending rather than dependence on a single category. Truist reported that its combined CRE and commercial construction portfolios at June 30, 2025 were composed of 37% multifamily, 22% industrial, 13% office, 13% retail and 15% hotel and other CRE. Truist identified those combined portfolios as having potential for heightened risk, a neutral risk disclosure that borrowers should distinguish from any statement about current loan availability.
| Segment | Loans ($M) | Share of CRE | National rank |
|---|---|---|---|
| Construction and land | $7,610 | 14.9% | #7 |
| Multifamily | $8,652 | 17.0% | #9 |
| Owner occupied | $17,780 | 34.9% | #3 |
| Investor nonfarm nonresidential | $16,976 | 33.3% | #5 |
Source: FDIC Call Report as of June 30, 2026, schedule RC-C. FDIC record for Truist Bank.
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Truist’s CRE portfolio stood at $56.1 billion on June 30, 2021, then declined to $51.9 billion in 2022 before rising to $52.7 billion in 2023. It subsequently moved down to $51.2 billion in 2024 and $48.6 billion in 2025, followed by a recovery to $51.0 billion in 2026. The change since June 30, 2021 is -9.1%, while the latest year over year movement is +4.9%. Truist separately said commercial loans grew by $15.6 billion during 2025, including a $3.4 billion increase in its CRE portfolio attributed to higher production. The current balance therefore reflects a recent return to growth after several years of overall contraction, while CRE remains 15.4% of the bank’s total loan book.
| June 30 | Total CRE loans ($M) | Change |
|---|---|---|
| 2021 | $56,107 | |
| 2022 | $51,912 | -7.5% |
| 2023 | $52,681 | +1.5% |
| 2024 | $51,158 | -2.9% |
| 2025 | $48,616 | -5.0% |
| 2026 | $51,018 | +4.9% |
Recent financings demonstrate broad structures and a strong multifamily presence
Recent announcements show Truist financing acquisitions, construction, permanent loans, bridge loans and refinancings. In March 2026, the press reported an $87 million acquisition loan for Eastline Residences, a 330-unit multifamily tower in Dallas, and $68 million of construction financing plus $48 million of permanent financing for Arbor Ranch, a 297-unit affordable multifamily development in Denton. A broker announced a $40 million construction loan for the 89-unit Morristown Station project in January 2026. Other announced transactions include a $96.8 million construction loan for Prescott Post, a $100 million refinance of an industrial outdoor storage portfolio and a $430 million acquisition loan for grocery anchored retail centers. These examples establish recent activity, but they do not define universal loan sizes, terms or approval standards.
Truist says its commercial real estate group supports multifamily, industrial, retail, office, hospitality and student housing. For private real estate investors, the bank identifies multifamily, warehouse, retail and office properties, with acquisition, refinancing, bridge, interim, mini permanent, renovation and cash out financing available nationwide. Announced transactions reinforce the breadth of that description. A broker reported a $55 million bridge refinancing for 403 West in Raleigh, while another announced a $140 million refinancing for Shoregate in Bay Shore. The press also reported acquisition financing for a luxury mixed use property in Brooklyn. Borrowers should treat these transactions as evidence of executed lending activity, not as advertised rate, leverage or closing speed commitments.
| Date | Property | Location | Type | Amount | Source |
|---|---|---|---|---|---|
| 2026-03 | Eastline Residences, 330-unit multifamily tower | Dallas, TX | acquisition | $87 million | commercialobserver.com |
| 2026-03 | Arbor Ranch, 297-unit affordable multifamily development | Denton, TX | construction | $68 million | connectcre.com |
| 2026-03 | Arbor Ranch, 297-unit affordable multifamily development | Denton, TX | permanent | $48 million | connectcre.com |
| 2026-01 | Morristown Station, 89-unit transit-oriented apartment building | Morristown, NJ | construction | $40 million | cbre.com |
| 2025-12 | 403 West, 438-unit garden apartment community | Raleigh, NC | bridge | $55 million | northmarq.com |
| 2025-11 | Prescott Post, 360-unit multifamily development | Portsmouth, NH | construction | $96.8 million | jll.com |
| 2025-10 | 19-asset industrial outdoor storage portfolio | refinance | $100 million | commercialobserver.com | |
| 2025-10 | 10 grocery-anchored West Coast retail centers | acquisition | $430 million | commercialobserver.com | |
| 2025-09 | 4000 Mystic Valley Parkway, approved 380-unit apartment development | Medford, MA | construction | $98 million | bisnow.com |
| 2025-08 | Woodmont Rail at Metropark, 300-unit multifamily development | Woodbridge, NJ | construction | $92.8 million | linkedin.com |
| 2025-08 | 56 North 9th Street, luxury mixed-use property | Brooklyn, NY | acquisition | $44.8 million | jll.com |
| 2025-06 | Shoregate, 418-unit multifamily property | Bay Shore, NY | refinance | $140 million | jll.com |
| 2025-03 | 59-property multitenant retail portfolio | acquisition | bisnow.com |
Financings publicly announced by the bank, its borrowers or their advisors, as reported by the linked source. Not a complete record of the bank’s lending.
Truist combines a southeastern branch base with nationwide CRE capabilities
Truist operates 1931 domestic offices across 18 states, with its largest branch concentrations in Florida, North Carolina, Virginia and Georgia. Florida has 441 branches, North Carolina has 276, Virginia has 259 and Georgia has 203. Reported deposits are deepest in North Carolina at $117.7 billion, followed by Florida at $74.5 billion and Georgia at $68.7 billion. The footprint also includes substantial branch networks in Maryland, Pennsylvania, Tennessee and South Carolina. Recent announced financings extend beyond those core markets to Texas, New Jersey, New Hampshire, Massachusetts and New York. That combination supports Truist’s stated nationwide lending capability for private real estate investors, although borrowers should confirm whether a specific team is active in their market and asset class.
By CRE loan volume, Truist is larger than comparable institutions including PNC Bank, N.A. at $47.1 billion, First-Citizens Bank & Trust Company at $38.8 billion and The Huntington National Bank at $37.9 billion. BestCRE views Truist as a plausible fit for established owners, developers and operating businesses seeking a bank with substantial CRE capacity and experience across several financing structures. The strongest alignment appears to be with borrowers whose needs fall within Truist’s stated asset classes and generally exceed $250,000. Fit will still depend on sponsorship, property performance, market exposure, structure and the bank’s current portfolio priorities.
| State | Branches | Deposits ($M) |
|---|---|---|
| North Carolina | 276 | $117,657 |
| Florida | 441 | $74,511 |
| Georgia | 203 | $68,680 |
| Virginia | 259 | $49,673 |
| Maryland | 138 | $23,115 |
| Tennessee | 98 | $16,589 |
| Pennsylvania | 136 | $15,128 |
| South Carolina | 95 | $14,126 |
Peer banks with a similar CRE book
| Bank | Headquarters | Total CRE loans ($M) | Change, 1 year |
|---|---|---|---|
| The Huntington National Bank | Columbus, OH | $37,932 | +109.8% |
| Manufacturers and Traders Trust Company | Buffalo, NY | $34,665 | +0.6% |
| First-Citizens Bank & Trust Company | Raleigh, NC | $38,808 | +0.9% |
| Fifth Third Bank, N.A. | Cincinnati, OH | $33,581 | +104.4% |
| Pinnacle Bank | Nashville, TN | $36,789 | +123.7% |
| PNC Bank, N.A. | Wilmington, DE | $47,133 | +14.3% |
Frequently Asked Questions
Does Truist Bank make commercial real estate loans?
Yes. Truist Bank held $51.0 billion in commercial real estate loans as of June 30, 2026, ranking 4 of 4,167 banks nationally. Truist states that it supports most CRE asset classes, including multifamily, industrial, retail, office, hospitality and student housing. Its stated capabilities include acquisition and development, construction, bridge, mini permanent, permanent, redevelopment and repositioning financing. Actual availability and structure depend on the property, borrower, market and the bank’s current lending priorities.
What types of commercial properties does Truist finance?
Truist identifies multifamily, industrial, retail, office, hospitality and student housing among its supported property types. For private real estate investors, it specifically names multifamily, warehouse, retail and office properties. The bank’s balance sheet includes $17.8 billion of owner occupied CRE, $17.0 billion of investor nonfarm nonresidential loans, $8.7 billion of multifamily loans and $7.6 billion of construction and land loans. Those balances show historical exposure, but do not guarantee that Truist will finance every property type or transaction.
Does Truist offer construction and bridge financing?
Yes. Truist lists construction, bridge, bridge to agency, interim and mini permanent financing among its capabilities. Public announcements provide recent examples, including a $68 million construction loan for Arbor Ranch in March 2026 and a $55 million bridge refinancing for 403 West in December 2025. A broker also announced a $96.8 million construction loan for Prescott Post. These transactions demonstrate activity in those structures, but they do not establish standard pricing, leverage, recourse, term or execution speed for another borrower.
Where does Truist make commercial real estate loans?
Truist states that it offers commercial real estate financing nationwide for private real estate investors. Its physical network includes 1931 domestic offices across 18 states, with major concentrations in Florida, North Carolina, Virginia and Georgia. Announced financings include properties in Texas, New Jersey, North Carolina, New Hampshire, Massachusetts and New York. Geographic coverage can vary by property type, transaction structure and lending team, so borrowers should confirm whether Truist is actively pursuing loans in the relevant market.
What commercial real estate loan rates does Truist offer?
Truist does not state a universal CRE loan rate in the information reviewed by BestCRE. Market benchmarks as of Oct 27, 2026 were a 7.00% Prime rate, 3.89% SOFR, 4.82% 5 year Treasury and 5.00% 10 year Treasury. These are reference rates, not Truist loan quotes. A borrower’s actual pricing may depend on the selected structure and the bank’s underwriting. Borrowers should request a current proposal directly from Truist and compare the benchmark, spread, fees and other material terms.
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BestCRE lender profiles are editorially independent and built from public regulatory filings and public announcements; no bank pays for a profile. Call report figures describe loans held on the bank’s balance sheet and do not show current terms or appetite. BestCRE is not a lender and is not affiliated with Truist Bank. See our Legal Disclaimer and Compensation Disclosure.