Alabama headquartered banks reported $40.3 billion in total commercial real estate loans as of June 30, 2026, an increase of +6.7% year over year. The largest institutions account for much of that activity, with the top five holding 71.0% of CRE loans among banks based in the state. BestCRE ranks 25 banks by total CRE loans and presents their construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. The ranking also shows year over year change, CRE as a share of total loans, investor CRE relative to equity capital, and each institution’s national position.
The ranking is based on FDIC Call Reports, formally the Reports of Condition and Income, including schedule RC-C. Headquarters and branch market context come from the FDIC Summary of Deposits 2026. The table covers banks headquartered in Alabama, not every institution that can make an Alabama commercial real estate loan. Banks based in other states may operate local branches, while nonbank lenders are outside the call report system. Borrowers should therefore use the table as a starting point for identifying active bank lenders, then compare institutions based on property type, relationship fit, and the structure of the requested financing.
Alabama banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Regions Bank | Birmingham, AL | $16,257 | $2,808 | $3,875 | $5,383 | +7.0% | 16.3% |
| 2 | ServisFirst Bank | Birmingham, AL | $9,353 | $1,565 | $1,401 | $2,665 | +9.6% | 64.5% |
| 3 | River Bank & Trust | Prattville, AL | $1,107 | $263 | $72.2 | $470 | +14.2% | 38.7% |
| 4 | Bank Independent | Sheffield, AL | $1,017 | $188 | $155 | $264 | -1.0% | 54.7% |
| 5 | CB&S Bank, Inc. | Russellville, AL | $883 | $271 | $73.8 | $208 | +1.1% | 51.2% |
| 6 | Bryant Bank | Tuscaloosa, AL | $788 | $206 | $67.1 | $201 | -0.4% | 58.9% |
| 7 | Oakworth Capital Bank | Birmingham, AL | $675 | $101 | $55.1 | $253 | +13.6% | 39.1% |
| 8 | SouthPoint Bank | Birmingham, AL | $577 | $106 | $66.9 | $198 | -18.4% | 54.2% |
| 9 | Peoples Bank of Alabama | Cullman, AL | $520 | $55.5 | $34.5 | $146 | +3.1% | 56.3% |
| 10 | Troy Bank & Trust Company | Troy, AL | $488 | $86.8 | $38.5 | $174 | +9.3% | 46.3% |
| 11 | First Bank of Alabama | Talladega, AL | $467 | $62.7 | $26.1 | $118 | +15.4% | 57.7% |
| 12 | United Bank | Atmore, AL | $435 | $144 | $68.6 | $150 | +10.5% | 46.2% |
| 13 | Metro Bank | Pell City, AL | $389 | $100 | $16.4 | $61.2 | -0.2% | 65.4% |
| 14 | AuburnBank | Auburn, AL | $377 | $58.2 | $61.6 | $56.1 | +2.8% | 64.9% |
| 15 | First US Bank | Birmingham, AL | $340 | $38.9 | $119 | $54.2 | -10.4% | 39.5% |
| 16 | Citizens Bank & Trust | Guntersville, AL | $323 | $41.0 | $19.7 | $143 | +3.2% | 51.7% |
| 17 | First Metro Bank | Muscle Shoals, AL | $311 | $84.1 | $70.3 | $86.1 | +16.8% | 51.9% |
| 18 | CommerceOne Bank | Birmingham, AL | $308 | $64.7 | $33.4 | $49.6 | -3.8% | 44.4% |
| 19 | MidSouth Bank | Dothan, AL | $307 | $100 | $13.4 | $105 | +8.3% | 68.6% |
| 20 | Central State Bank | Calera, AL | $292 | $108 | $10.0 | $110 | +11.6% | 52.5% |
| 21 | West Alabama Bank & Trust | Reform, AL | $289 | $59.3 | $45.8 | $113 | -2.3% | 47.9% |
| 22 | EvaBank | Eva, AL | $286 | $74.3 | $44.5 | $131 | +16.2% | 72.0% |
| 23 | First Community Bank of Central Alabama | Wetumpka, AL | $256 | $87.9 | $3.3 | $118 | +11.6% | 50.7% |
| 24 | CCB Community Bank | Andalusia, AL | $221 | $48.9 | $7.5 | $56.0 | +13.8% | 43.3% |
| 25 | Merit Bank | Huntsville, AL | $207 | $25.9 | $1.0 | $88.2 | +13.3% | 51.7% |
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 93 banks headquartered in Alabama.
Regions Bank and ServisFirst Bank lead by a wide margin, with $16.3 billion and $9.4 billion in total CRE loans. Their portfolios differ in scale and concentration. CRE represents 16.3% of loans at Regions Bank and 64.5% at ServisFirst Bank. Regions Bank reports $5.4 billion of owner occupied loans and $3.9 billion of multifamily loans, while ServisFirst Bank reports $3.7 billion of investor nonfarm nonresidential loans. Among other banks, River Bank & Trust grew +14.2%, First Metro Bank grew +16.8%, and EvaBank grew +16.2%. SouthPoint Bank declined -18.4%. Investor CRE to equity also varies materially. Regions Bank reports 0.61x, while SouthPoint Bank reports 3.63x and CB&S Bank, Inc. reports 3.59x, both high relative to other banks in the table. The 25 ranked banks collectively report $36.5 billion in CRE loans.
Out of state banks with branches in Alabama
| Bank | Headquarters state | Branches in Alabama | Deposits in Alabama ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| PNC Bank, N.A. | Delaware | 92 | $11,178 | $47,133 |
| Wells Fargo Bank, N.A. | South Dakota | 73 | $9,762 | $121,623 |
| Pinnacle Bank | Tennessee | 37 | $8,213 | $36,789 |
| Truist Bank | North Carolina | 49 | $5,213 | $51,018 |
| The Huntington National Bank | Ohio | 51 | $4,406 | $37,932 |
| Renasant Bank | Mississippi | 36 | $3,010 | $11,354 |
| Trustmark Bank | Mississippi | 41 | $2,726 | $6,347 |
| First Horizon Bank | Tennessee | 13 | $2,198 | $22,518 |
| SouthState Bank, N.A. | Florida | 9 | $2,096 | $28,266 |
| Hancock Whitney Bank | Mississippi | 12 | $1,904 | $9,315 |
| SmartBank | Tennessee | 14 | $1,873 | $2,870 |
| FirstBank | Tennessee | 13 | $1,840 | $7,096 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Alabama only; CRE loans are bank wide.
The ranking provides a practical starting point for a loan search
Total CRE loan size can indicate a bank’s demonstrated appetite for commercial property credit and its capacity to hold loans on its balance sheet. The property category columns help borrowers identify institutions with meaningful exposure to a particular transaction type. Year over year change shows which banks are adding or reducing CRE balances, while CRE share of loans and investor CRE to equity provide context on concentration. A concentrated bank may be selective even when it has a large portfolio.
Borrowers should begin with banks whose portfolio size and mix align with the proposed property, then contact more than one institution. Bank lending is relationship driven and local, so a high ranking does not establish that a bank will pursue a particular loan. Headquarters, existing relationships, property location, and transaction type can all shape the search. The table is most useful as a screening tool, not as a statement about specific programs, pricing, terms, leverage, recourse, or execution speed.
Get your deal in front of the right lenders in Alabama
Tell BestCRE about the property, the loan amount and the timeline. We package the request and bring back term sheets from banks, debt funds, life companies, CMBS, agency and SBA lenders, so you compare more than the bank down the street.
Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration show where balance sheets are most active
The category balances reveal meaningful differences among the leading banks. Regions Bank reports $2.8 billion in construction and land loans, $3.9 billion in multifamily loans, $5.4 billion in owner occupied loans, and $4.2 billion in investor nonfarm nonresidential loans. ServisFirst Bank reports $1.6 billion, $1.4 billion, $2.7 billion, and $3.7 billion across those same categories. Farther down the table, United Bank has $144.5 million in construction and land loans compared with $71.6 million in investor nonfarm nonresidential loans.
Concentration measures add another dimension. CRE accounts for 72.0% of loans at EvaBank, 68.6% at MidSouth Bank, and 65.4% at Metro Bank. Investor CRE to equity is 3.53x at AuburnBank and 3.33x at ServisFirst Bank, both high relative to many peers in the table. By comparison, Regions Bank reports 0.61x and United Bank reports 1.29x. These figures describe portfolio composition and balance sheet concentration. They do not establish whether a bank will approve, decline, or structure a particular request.
Alabama borrowers can also consider out of state banks and nonbank lenders
This ranking covers banks headquartered in Alabama. Banks headquartered elsewhere can still have substantial local operations. PNC Bank, N.A., based in Delaware, has 92 Alabama branches and $11.2 billion of deposits in the state. Wells Fargo Bank, N.A., based in South Dakota, has 73 branches and $9.8 billion of Alabama deposits. Pinnacle Bank, based in Tennessee, has 37 branches and $8.2 billion of deposits in Alabama. Their total CRE loan figures cover lending across all states, so they are not measures of Alabama CRE originations or balances.
Borrowers may also compare banks with debt funds, life companies, CMBS lenders, agency lenders, and SBA lenders. Those sources do not appear in bank call reports and may evaluate transactions through different credit channels. Comparing multiple sources helps a borrower understand which institutions are active in the relevant property type and which financing structures are available. The BestCRE ranking narrows the bank search, while local branch presence and nonbank alternatives broaden the potential lender set.
Frequently Asked Questions
Which Alabama bank has the largest commercial real estate loan portfolio?
Regions Bank has the largest CRE loan portfolio among banks headquartered in Alabama, with $16.3 billion as of June 30, 2026. It ranks 31 nationally and reports a diversified mix that includes $2.8 billion in construction and land loans, $3.9 billion in multifamily loans, $5.4 billion in owner occupied loans, and $4.2 billion in investor nonfarm nonresidential loans. Its CRE balance increased +7.0% year over year. The portfolio represents 16.3% of total loans, and investor CRE equals 0.61x total equity capital.
How current is the BestCRE Alabama lender ranking?
The loan balances are reported as of June 30, 2026. BestCRE uses FDIC Call Reports, formally called Reports of Condition and Income, including schedule RC-C. Branch and deposit context comes from the FDIC Summary of Deposits 2026. Because call reports present balance sheet positions at a reporting date, the ranking describes reported portfolios rather than current loan quotes or commitments. For broader rate context, the Prime rate was 7.00%, SOFR was 3.89%, and the Fed funds rate was 3.88% as of Oct 26, 2026.
What types of loans count as commercial real estate in this ranking?
The total CRE measure combines construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans reported in FDIC Call Reports. Across the 25 ranked banks, those categories total $6.7 billion, $6.4 billion, $11.4 billion, and $11.9 billion, respectively. The resulting table total is $36.5 billion. The categories show the composition of each bank’s reported CRE book, but they do not describe individual loan programs, underwriting requirements, pricing, or terms. A borrower should use the mix to identify banks with relevant balance sheet activity before making direct inquiries.
What does the national rank show for an Alabama CRE lender?
The national rank places each Alabama headquartered bank within the broader FDIC reporting universe based on total CRE loans. Regions Bank is ranked 31 nationally, ServisFirst Bank is ranked 60, and River Bank & Trust is ranked 392. The comparison provides scale context beyond Alabama, particularly where two banks occupy very different positions in the national market. It does not measure loan quality, approval likelihood, pricing, service, or local market knowledge. BestCRE uses it as a portfolio size reference alongside the Alabama ranking and the detailed property category balances.
How broad is the FDIC bank universe behind the comparison?
The broader comparison includes 4,167 banks with $3.07 trillion in total CRE loans. Within Alabama, 93 banks are headquartered in the state and collectively report $40.3 billion in CRE loans. The published ranking presents 25 of those institutions, with $36.5 billion in combined CRE balances. These figures give borrowers context for both the national banking system and the Alabama headquartered market. They also clarify that the ranked table is selective rather than a directory of every bank, branch, or lender that may consider an Alabama commercial property transaction.
More BestCRE lender rankings
CRE lenders by state
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.