District of Columbia has four locally headquartered banks in this ranking, together holding $1.7 billion in commercial real estate loans as of June 30, 2026. City First Bank, N.A. leads by a wide margin with $852.7 million, followed by The National Capital Bank of Washington at $306.0 million, Industrial Bank at $265.8 million and Founders Bank at $259.1 million. BestCRE ranks these institutions by total commercial real estate loans reported in FDIC Call Reports. The table also separates construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances so borrowers can compare portfolio size and composition.
The four banks reported $272.4 million in construction and land loans, $676.9 million in multifamily loans, $301.0 million in owner occupied loans and $433.2 million in investor nonfarm nonresidential loans. Their combined commercial real estate balance increased +0.2% year over year. These figures describe reported loan books, not quoted lending terms or current approval capacity. For broader context, all 4,167 banks nationally held $3.07 trillion in commercial real estate loans. BestCRE uses FDIC Call Reports, schedule RC-C, and the FDIC Summary of Deposits 2026 to distinguish locally headquartered banks from institutions that operate District branches while maintaining headquarters elsewhere.
District of Columbia banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | City First Bank, N.A. | Washington, DC | $853 | $90.5 | $572 | $117 | -2.4% | 75.0% |
| 2 | The National Capital Bank of Washington | Washington, DC | $306 | $50.1 | $46.2 | $60.4 | +5.8% | 60.7% |
| 3 | Industrial Bank | Washington, DC | $266 | $64.5 | $39.1 | $101 | -5.6% | 64.0% |
| 4 | Founders Bank | Washington, DC | $259 | $67.2 | $19.3 | $22.1 | +9.6% | 77.1% |
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.
City First Bank, N.A. is the clear balance leader at $852.7 million and national rank 501. Its $572.3 million multifamily portfolio is the largest category in its commercial real estate book, while its total balance declined -2.4% year over year. The National Capital Bank of Washington reported $306.0 million, including $149.2 million of investor nonfarm nonresidential loans, and grew +5.8%. Industrial Bank held $265.8 million, led by $101.2 million of owner occupied loans, while total commercial real estate declined -5.6%. Founders Bank reported $259.1 million and the fastest listed growth at +9.6%, with $150.4 million in investor nonfarm nonresidential loans. Commercial real estate represented 77.1% of Founders Bank loans and 75.0% at City First Bank, compared with 64.0% at Industrial Bank and 60.7% at The National Capital Bank of Washington. Founders Bank also had the highest investor commercial real estate to equity ratio at 4.34x, followed by City First Bank at 3.90x.
Out of state banks with branches in District of Columbia
| Bank | Headquarters state | Branches in District of Columbia | Deposits in District of Columbia ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Bank of America, N.A. | North Carolina | 22 | $14,820 | $79,906 |
| Wells Fargo Bank, N.A. | South Dakota | 23 | $10,673 | $121,623 |
| PNC Bank, N.A. | Delaware | 19 | $7,562 | $47,133 |
| Truist Bank | North Carolina | 18 | $4,467 | $51,018 |
| Citibank, N.A. | South Dakota | 15 | $3,795 | $26,036 |
| United Bank | Virginia | 7 | $1,795 | $14,204 |
| TD Bank, N.A. | Delaware | 7 | $1,460 | $30,408 |
| Amalgamated Bank | New York | 1 | $1,444 | $2,314 |
| Capital One, N.A. | Virginia | 5 | $1,442 | $24,111 |
| JPMorgan Chase Bank, N.A. | Ohio | 23 | $1,317 | $179,847 |
| EagleBank | Maryland | 3 | $1,278 | $4,659 |
| Manufacturers and Traders Trust Company | New York | 8 | $1,049 | $34,665 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for District of Columbia only; CRE loans are bank wide.
Portfolio size and recent growth help borrowers prioritize calls
A large commercial real estate book can indicate established appetite and capacity to hold loans, while year over year growth shows which banks are adding balances. These measures are useful for building an initial call list, but they do not establish whether a bank will finance a particular property. City First Bank, N.A. leads the local ranking with $852.7 million, although its balance changed -2.4%. Founders Bank reported +9.6% growth, while The National Capital Bank of Washington reported +5.8%.
Borrowers should compare portfolio size with property type, relationship fit and current credit requirements. Bank lending is relationship driven and local, so an existing deposit or operating relationship may matter during a loan search. The ranking is best used to identify banks with relevant reported exposure, then confirm current interest directly. The benchmark rates as of Oct 26, 2026 were a 7.00% Prime rate, 3.89% SOFR, 4.78% 5 year Treasury, 4.96% 10 year Treasury and 3.88% Fed funds. These benchmarks are context, not bank quotes.
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City First Bank, N.A. reported $572.3 million in multifamily loans, far above its $117.3 million owner occupied balance and $72.5 million investor nonfarm nonresidential balance. The National Capital Bank of Washington and Founders Bank show different mixes. Their investor nonfarm nonresidential balances were $149.2 million and $150.4 million, respectively. Industrial Bank reported $101.2 million in owner occupied loans, its largest listed category.
Concentration adds another perspective. Commercial real estate represented 77.1% of total loans at Founders Bank, 75.0% at City First Bank, N.A., 64.0% at Industrial Bank and 60.7% at The National Capital Bank of Washington. Investor commercial real estate to equity was highest at Founders Bank at 4.34x and lowest at Industrial Bank at 1.54x relative to the other banks. A concentrated bank may be selective even when its reported portfolio shows substantial activity, so borrowers should treat concentration as a screening measure rather than evidence of current availability.
District branches and nonbank lenders broaden the financing search
This ranking covers banks headquartered in District of Columbia. It does not rank every bank with a local presence. Bank of America, N.A. had 22 District branches and $14.8 billion of local deposits, while Wells Fargo Bank, N.A. had 23 branches and $10.7 billion. PNC Bank, N.A. reported 19 branches and $7.6 billion, and Truist Bank reported 18 branches and $4.5 billion. Their commercial real estate loan totals apply across all states, not specifically to District lending.
Other branch operators include Citibank, N.A., United Bank, TD Bank, N.A., Amalgamated Bank, Capital One, N.A., JPMorgan Chase Bank, N.A., EagleBank, and Manufacturers and Traders Trust Company. Borrowers can also compare debt funds, life companies, CMBS, agency and SBA lenders, which do not appear in bank Call Reports. Different lender types may evaluate property, sponsorship and structure differently. Comparing several sources helps a borrower test current interest, proceeds and execution requirements rather than relying on reported portfolio size alone.
Frequently Asked Questions
Which District of Columbia bank has the largest commercial real estate loan portfolio?
City First Bank, N.A. ranks first with $852.7 million in total commercial real estate loans as of June 30, 2026. Its portfolio included $90.5 million in construction and land loans, $572.3 million in multifamily loans, $117.3 million in owner occupied loans and $72.5 million in investor nonfarm nonresidential loans. Commercial real estate represented 75.0% of its total loans, and its balance changed -2.4% year over year. The bank held national rank 501 among the 4,167 banks covered by the FDIC data.
Which locally headquartered bank had the strongest CRE loan growth?
Founders Bank recorded the strongest year over year commercial real estate loan growth among the ranked banks at +9.6%. It reported $259.1 million in total commercial real estate loans as of June 30, 2026. The National Capital Bank of Washington also expanded its balance, reporting +5.8% growth and $306.0 million in total commercial real estate loans. By comparison, City First Bank, N.A. changed -2.4% and Industrial Bank changed -5.6%. Growth shows the direction of reported balances, but it does not indicate the terms or availability of a new loan.
How current are the commercial real estate lender rankings?
The loan balances and rankings are based on FDIC Call Reports as of June 30, 2026. Branch and deposit information comes from the FDIC Summary of Deposits 2026. Market benchmarks are presented separately as of Oct 26, 2026, including a 7.00% Prime rate and 3.89% SOFR. Call report balances are a point in time record of each bank’s portfolio. A borrower’s financing search should therefore use the ranking as an initial screen and verify present lending interest directly with each institution.
What does investor commercial real estate to equity mean?
Investor commercial real estate to equity compares construction, multifamily and non owner occupied nonfarm loans with total equity capital. It provides a view of concentration relative to a bank’s capital base. Founders Bank had the highest ratio in the table at 4.34x, followed by City First Bank, N.A. at 3.90x and The National Capital Bank of Washington at 3.04x. Industrial Bank had the lowest ratio at 1.54x. The measure can help borrowers anticipate possible selectivity, but it does not reveal a bank’s current underwriting standards or willingness to approve a particular request.
Does the ranking include every commercial real estate lender in District of Columbia?
No. It ranks the four banks headquartered in District of Columbia by total commercial real estate loans. Banks headquartered elsewhere may still maintain local branches and make loans in the District. JPMorgan Chase Bank, N.A., for example, had 23 local branches and $1.3 billion in District deposits, while its $179.8 billion commercial real estate balance covers all states. Nonbank sources such as debt funds, life companies, CMBS, agency and SBA lenders also fall outside FDIC bank Call Reports. Borrowers should consider the ranking one part of a broader lender search.
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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.