Arizona headquartered banks reported $17.4 billion in commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. BestCRE ranks all 11 of those institutions by total CRE loans, including construction and land, multifamily, owner occupied property, and investor nonfarm nonresidential loans. Western Alliance Bank dominates the ranking with $15.8 billion and holds national rank 33. Southwest Heritage Bank follows with $559.5 million, while BNC National Bank reports $430.4 million. The table is a measure of reported balance sheet exposure, not a judgment about pricing, execution, credit standards, or the suitability of any lender for a particular transaction.
The distinction between headquarters and lending presence matters. This ranking covers banks headquartered in Arizona, while institutions based elsewhere can serve Arizona borrowers through local branches. JPMorgan Chase Bank, N.A., for example, has 186 Arizona branches and $50.2 billion in deposits in the state, but its $179.8 billion CRE portfolio covers all states. Wells Fargo Bank, N.A. has 153 Arizona branches and $39.4 billion in state deposits, while Bank of America, N.A. has 104 branches and $35.5 billion. Those institutions are relevant lending contacts, but their nationwide CRE balances cannot be treated as Arizona loan totals.
Arizona banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Western Alliance Bank | Phoenix, AZ | $15,781 | $4,085 | $649 | $1,465 | -3.1% | 24.1% |
| 2 | Southwest Heritage Bank | Scottsdale, AZ | $559 | $66.5 | $47.2 | $152 | +8.7% | 79.1% |
| 3 | BNC National Bank | Glendale, AZ | $430 | $35.1 | $35.9 | $144 | +0.2% | 58.9% |
| 4 | Goldwater Bank, N.A. | Phoenix, AZ | $174 | $88.1 | $14.2 | $14.9 | +25.8% | 38.1% |
| 5 | Integro Bank | Phoenix, AZ | $115 | $10.4 | $11.9 | $73.7 | +93.6% | 70.3% |
| 6 | Gateway Commercial Bank | Mesa, AZ | $97.8 | $22.7 | $3.5 | $53.1 | +11.1% | 64.4% |
| 7 | Gainey Business Bank | Scottsdale, AZ | $49.2 | $13.3 | $0.0 | $14.9 | +65.6% | 51.1% |
| 8 | West Valley National Bank | Goodyear, AZ | $42.7 | $0.3 | $1.0 | $23.3 | +3.6% | 65.0% |
| 9 | Zenith Bank & Trust | Scottsdale, AZ | $41.9 | $3.6 | $5.6 | $12.3 | +156.6% | 54.4% |
| 10 | Mission Bank | Kingman, AZ | $36.7 | $2.5 | $1.1 | $21.1 | -4.0% | 51.6% |
| 11 | Scottsdale Community Bank | Scottsdale, AZ | $26.8 | $2.4 | $1.5 | $7.2 | +67.8% | 26.3% |
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.
Western Alliance Bank accounts for most of the reported CRE volume, with $15.8 billion of the table total of $17.4 billion. Its portfolio includes $9.6 billion of investor nonfarm nonresidential loans and $4.1 billion of construction and land loans. Southwest Heritage Bank ranks second at $559.5 million and has the highest CRE share of loans among the ranked banks at 79.1%. BNC National Bank ranks third with $430.4 million and reported growth of +0.2%. Growth varies sharply among smaller institutions. Zenith Bank & Trust reported +156.6%, Integro Bank reported +93.6%, and Scottsdale Community Bank reported +67.8%, while Western Alliance Bank reported -3.1%. Concentration also differs. Southwest Heritage Bank has an investor CRE to equity ratio of 3.33x, high relative to the other banks in the table, compared with 1.20x at Mission Bank.
Out of state banks with branches in Arizona
| Bank | Headquarters state | Branches in Arizona | Deposits in Arizona ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| JPMorgan Chase Bank, N.A. | Ohio | 186 | $50,163 | $179,847 |
| Wells Fargo Bank, N.A. | South Dakota | 153 | $39,359 | $121,623 |
| Bank of America, N.A. | North Carolina | 104 | $35,468 | $79,906 |
| Zions Bancorporation, N.A. | Utah | 56 | $7,281 | $23,684 |
| PNC Bank, N.A. | Delaware | 75 | $6,425 | $47,133 |
| BMO Bank, N.A. | Illinois | 62 | $4,962 | $28,802 |
| U.S. Bank, N.A. | Ohio | 56 | $4,926 | $50,718 |
| MidFirst Bank | Oklahoma | 22 | $4,421 | $9,265 |
| UMB Bank, N.A. | Missouri | 13 | $3,695 | $15,713 |
| Bell Bank | North Dakota | 4 | $2,163 | $5,335 |
| Glacier Bank | Montana | 15 | $1,913 | $12,859 |
| BOKF, N.A. | Oklahoma | 4 | $1,801 | $11,334 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Arizona only; CRE loans are bank wide.
The ranking is a starting point for a loan search
Total CRE loans provide a practical first screen because the size of a bank’s book can indicate its demonstrated appetite and capacity to hold commercial property debt. Western Alliance Bank, with $15.8 billion, operates at a different reported scale from Southwest Heritage Bank at $559.5 million or Gateway Commercial Bank at $97.8 million. Size alone does not establish whether a bank will pursue a particular property, borrower, structure, or location. Borrowers should use the ranking to identify plausible contacts, then confirm current interest directly with each institution.
The remaining columns help narrow that contact list. Loan mix indicates where each bank has been most active, year over year growth identifies institutions adding or reducing CRE balances, and concentration may signal that a bank will be selective about additional exposure. Bank lending is relationship driven and local, so headquarters, branch access, existing deposits, and familiarity with the borrower can matter to the search. A useful process compares several institutions whose reported portfolios align with the requested property type rather than treating rank as a complete credit or pricing decision.
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The ranked banks collectively report $4.3 billion in construction and land loans, $770.6 million in multifamily loans, $2.0 billion in owner occupied loans, and $10.3 billion in investor nonfarm nonresidential loans. Western Alliance Bank is the largest holder in each reported category, including $648.7 million in multifamily and $1.5 billion in owner occupied loans. Among smaller banks, Southwest Heritage Bank reports $293.5 million in investor nonfarm nonresidential loans, while BNC National Bank reports $215.7 million in that category and $143.7 million in owner occupied loans.
Some portfolios lean toward different property and borrower segments. Goldwater Bank, N.A. reports $88.1 million in construction and land loans within a $174.3 million CRE book. Integro Bank reports $73.7 million in owner occupied loans within its $114.9 million total. Investor CRE to equity ratios provide another view of concentration. Southwest Heritage Bank reports 3.33x, West Valley National Bank reports 2.88x, and Goldwater Bank, N.A. reports 2.67x. Those ratios are high relative to several peers in the table, but they do not establish whether a bank will approve or decline a new request.
Arizona borrowers have options beyond locally headquartered banks
Large banks headquartered elsewhere maintain substantial Arizona branch networks and deposits. JPMorgan Chase Bank, N.A. has 186 branches and $50.2 billion in Arizona deposits. Wells Fargo Bank, N.A. has 153 branches and $39.4 billion, and Bank of America, N.A. has 104 branches and $35.5 billion. Other branch based options include Zions Bancorporation, N.A. with 56 branches and $7.3 billion in state deposits, PNC Bank, N.A. with 75 branches and $6.4 billion, and BMO Bank, N.A. with 62 branches and $5.0 billion.
Borrowers can also compare banks with debt funds, life companies, CMBS lenders, agency lenders, and SBA lenders. These nonbank sources do not appear in FDIC bank call reports, so the ranking cannot represent the full financing market. Each source evaluates transactions under a different mandate, and availability can differ by property type, requested structure, and borrower profile. Comparing several bank and nonbank sources gives borrowers a broader view of potential financing paths. The appropriate contact list should reflect the asset and request, not simply the size of an institution’s reported CRE portfolio.
Frequently Asked Questions
How did BestCRE rank Arizona commercial real estate lenders?
BestCRE ranked banks headquartered in Arizona by total commercial real estate loans reported as of June 30, 2026. The source is FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Deposit and branch information comes from the FDIC Summary of Deposits 2026. The ranking includes 11 Arizona headquartered banks with a combined $17.4 billion in CRE loans. It does not rank individual originations, Arizona property loans alone, approval volume, pricing, or service. A bank’s reported total is its balance sheet CRE exposure under the call report categories.
Which Arizona bank has the largest commercial real estate loan portfolio?
Western Alliance Bank ranks first with $15.8 billion in total CRE loans as of June 30, 2026, placing it at national rank 33. Its reported book includes $4.1 billion in construction and land loans, $648.7 million in multifamily loans, $1.5 billion in owner occupied loans, and $9.6 billion in investor nonfarm nonresidential loans. CRE represents 24.1% of its total loans, and its investor CRE to equity ratio is 1.80x. Its CRE balance changed -3.1% year over year.
Which Arizona banks reported the strongest CRE growth?
Zenith Bank & Trust reported the highest year over year CRE change in the ranking at +156.6%, bringing its total CRE loans to $41.9 million. Integro Bank followed at +93.6% with a $114.9 million CRE portfolio. Scottsdale Community Bank reported +67.8% and $26.8 million, while Gainey Business Bank reported +65.6% and $49.2 million. Growth identifies banks that added reported balances, but it does not show whether the increase came from new originations, purchased loans, repayments, sales, or other balance sheet movements.
What interest rate benchmarks were current for CRE borrowers?
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 but are not bank quotes or indications of the final cost available to a specific borrower. The FDIC ranking measures reported loan balances as of June 30, 2026 and does not disclose the rates, spreads, fees, maturities, amortization, collateral requirements, or other terms attached to those loans.
Do national bank CRE totals show how much they lend in Arizona?
No. Call report CRE totals for an out of state bank cover its entire institution, not only loans secured by Arizona properties. JPMorgan Chase Bank, N.A. reports $179.8 billion in CRE loans across all states and has 186 Arizona branches. Wells Fargo Bank, N.A. reports $121.6 billion across all states and has 153 Arizona branches. The FDIC Summary of Deposits identifies their local branches and deposits, but those figures do not allocate CRE lending by state. Borrowers can treat branch presence as evidence of local access, while confirming current lending interest directly.
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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.