Florida headquartered banks in the ranked table hold $90.2 billion in total commercial real estate loans. That includes $8.8 billion in construction and land loans, $14.8 billion in multifamily loans, $19.1 billion in owner occupied loans and $47.6 billion in investor nonfarm nonresidential loans. BestCRE ranks these banks by the size of their total commercial real estate loan books as of June 30, 2026. The table also presents annual growth, CRE share of total loans, investor CRE relative to equity capital and national rank, giving borrowers several ways to assess each institution beyond headline loan volume.
The ranking covers banks headquartered in Florida, not every institution that makes commercial real estate loans in the state. Florida has 79 state headquartered banks with $99.2 billion in total CRE loans, up +8.0% from the prior year. The top five hold 63.3% of that amount. For context, FDIC Call Reports cover 4,167 banks with $3.07 trillion in total CRE loans. The analysis uses schedule RC-C and the FDIC Summary of Deposits 2026. It should be read as a balance sheet comparison, not as evidence that a bank will approve a particular property, borrower or transaction.
Florida banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | SouthState Bank, N.A. | Winter Haven, FL | $28,266 | $2,928 | $2,717 | $7,848 | +6.9% | 55.2% |
| 2 | City National Bank of Florida | Miami, FL | $10,897 | $1,643 | $1,453 | $1,742 | +2.7% | 52.9% |
| 3 | BankUnited, N.A. | Miami Lakes, FL | $8,629 | $613 | $1,136 | $1,753 | +6.3% | 36.1% |
| 4 | EverBank, N.A. | Jacksonville, FL | $7,983 | $110 | $4,856 | $311 | +9.7% | 21.5% |
| 5 | Seacoast National Bank | Stuart, FL | $7,004 | $858 | $481 | $2,053 | +20.5% | 53.2% |
| 6 | Ocean Bank | Miami, FL | $5,191 | $317 | $877 | $780 | +10.9% | 83.5% |
| 7 | Raymond James Bank | Saint Petersburg, FL | $4,040 | $66.3 | $1,103 | $0.0 | -0.3% | 10.9% |
| 8 | Amerant Bank, N.A. | Coral Gables, FL | $3,128 | $536 | $257 | $745 | -14.8% | 45.6% |
| 9 | Banesco USA | Miami, FL | $1,782 | $162 | $188 | $353 | +5.9% | 45.0% |
| 10 | U. S. Century Bank | Doral, FL | $1,321 | $40.8 | $326 | $211 | +9.1% | 56.9% |
| 11 | Emigrant Bank | Miami, FL | $1,218 | $225 | $535 | $0.0 | -13.8% | 30.6% |
| 12 | The Bank of Tampa | Tampa, FL | $1,126 | $94.6 | $76.0 | $556 | +11.1% | 54.2% |
| 13 | Newtek Bank, N.A. | Miami, FL | $1,040 | $106 | $155 | $569 | +90.5% | 50.7% |
| 14 | OptimumBank | Fort Lauderdale, FL | $983 | $46.1 | $52.5 | $290 | +62.7% | 81.8% |
| 15 | One Florida Bank | ORLANDO, FL | $955 | $84.1 | $22.3 | $297 | +8.3% | 56.9% |
| 16 | Capital City Bank | Tallahassee, FL | $921 | $245 | $45.6 | $340 | -6.7% | 36.3% |
| 17 | Crews Bank & Trust | Wauchula, FL | $807 | $63.1 | $27.8 | $201 | +3.4% | 60.5% |
| 18 | International Finance Bank | Miami, FL | $747 | $46.3 | $212 | $79.1 | +26.4% | 56.0% |
| 19 | Cogent Bank | Orlando, FL | $724 | $101 | $28.7 | $300 | +7.4% | 39.6% |
| 20 | Pacific National Bank | Miami, FL | $713 | $114 | $68.4 | $78.9 | +11.5% | 73.1% |
| 21 | Climate First Bank | Saint Petersburg, FL | $673 | $136 | $28.5 | $165 | +70.3% | 40.1% |
| 22 | Pibank, N.A. | Miami, FL | $597 | $43.4 | $60.3 | $9.4 | +69.3% | 52.3% |
| 23 | Bank of Central Florida | Lakeland, FL | $511 | $98.0 | $22.4 | $163 | +9.8% | 60.6% |
| 24 | First State Bank | Key West, FL | $497 | $13.6 | $25.7 | $108 | -0.3% | 62.4% |
| 25 | Flagship Bank | Clearwater, FL | $485 | $65.6 | $35.9 | $115 | +12.6% | 77.0% |
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 79 banks headquartered in Florida.
SouthState Bank, N.A. leads with $28.3 billion in CRE loans and a +6.9% annual change. City National Bank of Florida follows with $10.9 billion, while BankUnited, N.A. reports $8.6 billion. Loan mix differs materially. EverBank, N.A. carries $4.9 billion in multifamily loans, compared with $110.0 million in construction and land loans. SouthState Bank, N.A. reports $14.8 billion in investor nonfarm nonresidential loans and $7.8 billion in owner occupied loans. Growth also varies. Newtek Bank, N.A. reports +90.5%, Climate First Bank reports +70.3% and Amerant Bank, N.A. reports -14.8%. Ocean Bank has an 83.5% CRE share of loans and investor CRE to equity of 6.01x, both high relative to many banks in the table. Raymond James Bank has a 10.9% CRE share and investor CRE to equity of 1.22x.
Out of state banks with branches in Florida
| Bank | Headquarters state | Branches in Florida | Deposits in Florida ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Bank of America, N.A. | North Carolina | 414 | $170,340 | $79,906 |
| Wells Fargo Bank, N.A. | South Dakota | 458 | $90,649 | $121,623 |
| JPMorgan Chase Bank, N.A. | Ohio | 431 | $79,038 | $179,847 |
| Truist Bank | North Carolina | 441 | $74,511 | $51,018 |
| Regions Bank | Alabama | 270 | $26,368 | $16,257 |
| Citibank, N.A. | South Dakota | 56 | $22,349 | $26,036 |
| PNC Bank, N.A. | Delaware | 196 | $21,032 | $47,133 |
| TD Bank, N.A. | Delaware | 159 | $20,510 | $30,408 |
| Fifth Third Bank, N.A. | Ohio | 218 | $19,346 | $33,581 |
| Pinnacle Bank | Tennessee | 85 | $12,231 | $36,789 |
| First Horizon Bank | Tennessee | 73 | $11,095 | $22,518 |
| Valley National Bank | New Jersey | 42 | $10,213 | $30,353 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Florida only; CRE loans are bank wide.
Use balance sheet size and recent activity to focus a loan search
The size of a bank’s CRE book can indicate demonstrated appetite and capacity to hold commercial property loans. A borrower seeking an initial call list can start with banks carrying meaningful balances in the relevant property category, then review annual growth for signs that the institution has been adding or reducing CRE exposure. SouthState Bank, N.A., for example, reports $28.3 billion in total CRE loans and +6.9% annual growth. Seacoast National Bank reports $7.0 billion and +20.5%, while Amerant Bank, N.A. reports $3.1 billion and -14.8%. These figures describe reported portfolios, not current credit decisions.
Bank lending remains relationship driven and local. Headquarters, branch access, deposit relationships and familiarity with a local market can matter during a loan search, but the call report does not measure those qualities. Borrowers should use the ranking to identify plausible institutions, review the mix for property type alignment and contact several banks to confirm current interest. Concentration deserves attention as well. A bank with a large CRE share or high investor CRE to equity may be selective even when its reported loan book is large. The table is therefore a screening tool rather than a prediction of approval, pricing or execution.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix and concentration show where reported exposure sits
The category balances show where each bank’s existing CRE exposure is concentrated. EverBank, N.A. reports $4.9 billion in multifamily loans within an $8.0 billion CRE portfolio. City National Bank of Florida reports $6.1 billion in investor nonfarm nonresidential loans, $1.7 billion in owner occupied loans and $1.6 billion in construction and land loans. Seacoast National Bank reports $3.6 billion in investor nonfarm nonresidential loans and $2.1 billion in owner occupied loans. A borrower can compare these category balances with the proposed property type, while recognizing that an existing portfolio mix does not establish current lending intent.
CRE share of total loans and investor CRE to equity provide different views of concentration. Ocean Bank reports an 83.5% CRE share and investor CRE to equity of 6.01x. OptimumBank reports an 81.8% share and 5.22x, while Raymond James Bank reports a 10.9% share and 1.22x. These ratios are high or low only relative to other banks in the table. They do not show loan quality, available capital for a new transaction or willingness to lend. For borrowers, concentration is best used as a prompt for direct discussion because a highly concentrated institution may apply greater selectivity to additional exposure.
Out of state banks and nonbank lenders broaden the comparison
Banks headquartered outside Florida also lend through branches in the state, but their total CRE balances cover all states and are not included in the Florida headquartered ranking. Bank of America, N.A. has 414 Florida branches, $170.3 billion in Florida deposits and $79.9 billion in total CRE loans across all states. Wells Fargo Bank, N.A. has 458 branches, $90.6 billion in state deposits and $121.6 billion in total CRE loans. JPMorgan Chase Bank, N.A. has 431 branches, $79.0 billion in state deposits and $179.8 billion in total CRE loans. These institutions can expand a borrower’s call list, but their national CRE totals are not measures of Florida lending alone.
Nonbank lenders provide another comparison set that does not appear in bank call reports. Debt funds, life companies, CMBS, agency and SBA lenders can all be relevant alternatives, depending on the property and transaction. Borrowers should compare several sources because bank portfolio size, category mix, recent growth and concentration describe only part of the financing choice. The rate setting also matters when evaluating proposals. 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%. Those benchmarks provide market context but do not establish an offered loan rate.
Frequently Asked Questions
Which bank is the largest commercial real estate lender headquartered in Florida?
SouthState Bank, N.A., headquartered in Winter Haven, FL, ranks first with $28.3 billion in total commercial real estate loans as of June 30, 2026. Its portfolio includes $2.9 billion in construction and land loans, $2.7 billion in multifamily loans, $7.8 billion in owner occupied loans and $14.8 billion in investor nonfarm nonresidential loans. The bank reports +6.9% annual CRE growth, a 55.2% CRE share of total loans and investor CRE to equity of 2.11x. It ranks 16 nationally by total CRE loans.
Which Florida bank reports the largest multifamily loan balance?
EverBank, N.A., headquartered in Jacksonville, FL, reports $4.9 billion in multifamily loans, the largest multifamily balance among the ranked Florida headquartered banks. Its total CRE portfolio is $8.0 billion, including $110.0 million in construction and land loans, $311.2 million in owner occupied loans and $2.7 billion in investor nonfarm nonresidential loans. EverBank, N.A. reports +9.7% annual CRE growth, a 21.5% CRE share of total loans and investor CRE to equity of 1.79x. The figures show portfolio composition as of June 30, 2026, not current approval criteria.
Which Florida banks show the fastest CRE loan growth?
Newtek Bank, N.A. reports the highest annual CRE change in the table at +90.5%, with $1.0 billion in total CRE loans. Climate First Bank reports +70.3% growth and $672.6 million in CRE loans, while Pibank, N.A. reports +69.3% and $596.9 million. OptimumBank reports +62.7% with a $983.1 million CRE portfolio. Growth can help borrowers identify banks that have recently added CRE exposure, but it does not show which property types or transactions a bank currently wants. The category balances and concentration measures should be reviewed alongside the annual change.
Do the rankings include national banks with Florida branches?
No. The main ranking covers banks headquartered in Florida. National and regional banks headquartered elsewhere can still have substantial Florida operations. Truist Bank has 441 Florida branches and $74.5 billion in state deposits, while Regions Bank has 270 branches and $26.4 billion in state deposits. PNC Bank, N.A. has 196 branches and $21.0 billion in state deposits. Their reported total CRE loans, including $51.0 billion for Truist Bank and $47.1 billion for PNC Bank, N.A., cover all states rather than Florida alone. Borrowers can consider them separately when building a local call list.
What should a borrower compare before calling a bank on this list?
Start with total CRE loans as an indicator of reported appetite and hold capacity, then compare the property category balances, annual growth and concentration measures. City National Bank of Florida, for example, reports $10.9 billion in total CRE loans, including $6.1 billion in investor nonfarm nonresidential loans and $1.5 billion in multifamily loans. Its CRE portfolio changed +2.7% from the prior year, represents 52.9% of total loans and equals 2.97x of equity on the investor CRE measure. Borrowers should then contact several banks and compare them with debt funds, life companies, CMBS, agency and SBA lenders.
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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.