Maryland headquartered banks reported $20.2 billion in commercial real estate loans as of June 30, 2026. The ranked table covers 25 banks and draws from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. It compares total CRE balances and divides them into construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. The table also shows year over year change, CRE share of total loans, investor CRE relative to equity capital, and national rank. Together, these measures provide a consistent view of portfolio size, composition, recent direction and concentration across Maryland banking institutions.
This is a ranking of banks headquartered in Maryland, not every institution that lends on commercial property in the state. Maryland has 27 headquartered banks with $20.2 billion in total CRE loans, and their balances declined -0.6% year over year. The top five hold 73.3% of that total. Banks based elsewhere can still maintain substantial Maryland branch networks and deposits, while their FDIC Call Reports cover institutionwide lending across all states. Borrowers should therefore treat the table as a starting point for identifying locally headquartered banks, then compare those institutions with out of state banks and nonbank capital sources that may also compete for Maryland transactions.
Maryland banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | EagleBank | Bethesda, MD | $4,659 | $924 | $806 | $1,271 | -23.7% | 69.8% |
| 2 | CFG Bank | Lutherville, MD | $2,900 | $200 | $461 | $1,185 | +2.6% | 72.9% |
| 3 | Shore United Bank, N.A. | Easton, MD | $2,882 | $338 | $265 | $728 | +0.3% | 58.7% |
| 4 | Forbright Bank | Potomac, MD | $2,829 | $331 | $225 | $1,473 | +41.1% | 46.4% |
| 5 | Capital Bank, N.A. | Rockville, MD | $1,541 | $364 | $219 | $421 | +8.9% | 50.2% |
| 6 | First United Bank & Trust | Oakland, MD | $717 | $102 | $48.9 | $211 | +12.0% | 45.6% |
| 7 | Farmers and Merchants Bank | Upperco, MD | $502 | $27.1 | $33.4 | $160 | +5.1% | 78.2% |
| 8 | Middletown Valley Bank | Middletown, MD | $442 | $77.4 | $23.8 | $153 | +10.9% | 45.2% |
| 9 | BayVanguard Bank | Baltimore, MD | $414 | $27.9 | $35.9 | $77.2 | -7.1% | 58.3% |
| 10 | Rosedale Bank | Nottingham, MD | $412 | $78.0 | $20.1 | $53.9 | +4.2% | 42.7% |
| 11 | Calvin B. Taylor Banking Company of Berlin, Maryland | Berlin, MD | $381 | $43.6 | $7.0 | $124 | +7.2% | 54.4% |
| 12 | Hebron Savings Bank | Hebron, MD | $358 | $42.7 | $18.0 | $96.7 | +14.8% | 56.1% |
| 13 | Bank of Ocean City | Ocean City, MD | $358 | $55.9 | $12.7 | $132 | +5.2% | 68.3% |
| 14 | Presidential Bank, FSB | Bethesda, MD | $352 | $63.8 | $39.0 | $16.4 | -1.5% | 44.9% |
| 15 | Harford Bank | Aberdeen, MD | $343 | $34.3 | $17.7 | $150 | +31.3% | 58.7% |
| 16 | Woodsboro Bank | Woodsboro, MD | $196 | $14.3 | $25.3 | $86.4 | +12.4% | 57.0% |
| 17 | The Queenstown Bank of Maryland | Queenstown, MD | $185 | $27.9 | $17.0 | $68.6 | -2.3% | 38.8% |
| 18 | Eastern Savings Bank, FSB | Hunt Valley, MD | $161 | $58.3 | $11.4 | $50.5 | -21.6% | 65.9% |
| 19 | The Harbor Bank of Maryland | Baltimore, MD | $149 | $5.7 | $23.3 | $41.5 | +1.2% | 65.2% |
| 20 | The Farmers Bank of Willards | Willards, MD | $128 | $39.2 | $9.2 | $51.2 | +3.3% | 32.3% |
| 21 | Arundel Bank | Glen Burnie, MD | $99.6 | $6.4 | $5.5 | $3.4 | +6.7% | 26.8% |
| 22 | The Bank of Glen Burnie | Glen Burnie, MD | $66.5 | $6.5 | $7.0 | $36.3 | +10.6% | 24.8% |
| 23 | First Shore Federal Savings and Loan Association | Salisbury, MD | $44.2 | $12.5 | $2.6 | $5.7 | -7.9% | 15.4% |
| 24 | Jarrettsville Federal Savings and Loan Association | Jarrettsville, MD | $35.7 | $3.8 | $0.1 | $26.3 | +10.7% | 30.3% |
| 25 | Homewood Federal Savings Bank | Baltimore, MD | $29.3 | $6.1 | $5.3 | $11.5 | +19.6% | 52.2% |
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 27 banks headquartered in Maryland.
EagleBank leads with $4.7 billion in CRE loans, including $1.7 billion of investor nonfarm nonresidential loans and $1.3 billion of owner occupied loans. Its total declined -23.7% year over year. CFG Bank and Shore United Bank, N.A. each report $2.9 billion, but their mixes differ: CFG Bank has $1.2 billion in owner occupied loans, while Shore United Bank has $1.6 billion in investor nonfarm nonresidential loans. Forbright Bank follows with $2.8 billion and the strongest reported growth among the leaders at +41.1%, including $1.5 billion of owner occupied loans. Capital Bank, N.A. has $1.5 billion and grew +8.9%. Concentration also varies. Farmers and Merchants Bank has CRE equal to 78.2% of loans and investor CRE to equity of 4.30x, both high relative to other banks in the table. Forbright Bank reports a lower investor CRE to equity ratio of 1.31x.
Out of state banks with branches in Maryland
| Bank | Headquarters state | Branches in Maryland | Deposits in Maryland ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Bank of America, N.A. | North Carolina | 115 | $45,083 | $79,906 |
| Manufacturers and Traders Trust Company | New York | 152 | $26,764 | $34,665 |
| Truist Bank | North Carolina | 138 | $23,115 | $51,018 |
| PNC Bank, N.A. | Delaware | 115 | $19,037 | $47,133 |
| Wells Fargo Bank, N.A. | South Dakota | 73 | $11,995 | $121,623 |
| Capital One, N.A. | Virginia | 41 | $10,600 | $24,111 |
| Atlantic Union Bank | Virginia | 38 | $6,950 | $15,900 |
| First National Bank of Pennsylvania | Pennsylvania | 30 | $3,561 | $12,016 |
| WesBanco Bank, Inc. | West Virginia | 21 | $2,869 | $10,779 |
| JPMorgan Chase Bank, N.A. | Ohio | 56 | $2,778 | $179,847 |
| TD Bank, N.A. | Delaware | 17 | $2,541 | $30,408 |
| Fulton Bank, N.A. | Pennsylvania | 20 | $2,358 | $10,083 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Maryland only; CRE loans are bank wide.
Use portfolio size, mix and growth to guide a bank search
Total CRE loans provide a practical first screen for a financing search. A larger portfolio can indicate greater appetite and hold capacity, while the category balances show where a bank has accumulated lending exposure. EagleBank reports $4.7 billion in total CRE loans, compared with $716.6 million at First United Bank & Trust and $501.8 million at Farmers and Merchants Bank. These differences help borrowers identify institutions operating at a scale that may fit a proposed transaction, but rank alone does not indicate current pricing, approval standards or the likelihood that a particular request will close.
Recent growth adds another useful dimension. Forbright Bank increased its CRE portfolio +41.1% year over year, Harford Bank increased +31.3%, and Homewood Federal Savings Bank increased +19.6%. EagleBank declined -23.7%, while Eastern Savings Bank, FSB declined -21.6%. Growth shows which banks are adding or reducing reported balances, but it does not explain the cause or establish current appetite for an individual property. Bank lending remains relationship driven and local, so borrowers should contact several institutions, describe the property and request, and compare the responses directly.
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The category balances show meaningful differences in where Maryland banks are most active. EagleBank has $924.0 million in construction and land loans and $806.4 million in multifamily loans, the largest reported balances in those categories among the ranked institutions. Shore United Bank, N.A. reports $1.6 billion in investor nonfarm nonresidential loans, while Forbright Bank reports $1.5 billion in owner occupied loans. CFG Bank combines $1.2 billion of owner occupied loans with $1.1 billion of investor nonfarm nonresidential loans. These figures describe existing portfolios and should not be read as advertised lending programs.
Concentration provides context for how important CRE is to each bank. CFG Bank reports CRE at 72.9% of total loans, EagleBank reports 69.8%, and First Shore Federal Savings and Loan Association reports 15.4%. Investor CRE to equity ranges from 0.49x at Jarrettsville Federal Savings and Loan Association to 4.30x at Farmers and Merchants Bank. A ratio that is high relative to other banks in the table can signal that an institution will be selective as it manages exposure. A low ratio can indicate more balance sheet room, but it does not establish willingness to approve a particular loan.
Maryland borrowers can compare local banks with broader capital sources
Out of state banks also have substantial Maryland operations. Manufacturers and Traders Trust Company has 152 Maryland branches and $26.8 billion of deposits in the state. Truist Bank has 138 branches and $23.1 billion of Maryland deposits, while Bank of America, N.A. has 115 branches and $45.1 billion of deposits. PNC Bank, N.A. also has 115 branches and $19.0 billion of deposits. Their reported CRE portfolios cover all states, including $34.7 billion at Manufacturers and Traders Trust Company, $51.0 billion at Truist Bank, $79.9 billion at Bank of America, N.A., and $47.1 billion at PNC Bank, N.A.
Borrowers can also compare bank proposals with debt funds, life companies, CMBS, agency and SBA lenders. These sources do not appear in bank Call Reports and may evaluate transactions under different structures or program rules. No single ranking captures every viable source of commercial property financing. Comparing several lenders helps a borrower assess proposed pricing, proceeds, amortization, recourse and execution requirements for the same transaction. The Maryland headquartered bank ranking is most useful as one component of that process, alongside direct discussions with out of state banks that operate locally and nonbank lenders active in the relevant property type.
Frequently Asked Questions
What is the largest Maryland commercial real estate bank lender?
EagleBank is the largest Maryland headquartered bank in BestCRE’s ranking, with $4.7 billion in total commercial real estate loans as of June 30, 2026. Its portfolio includes $924.0 million in construction and land loans, $806.4 million in multifamily loans, $1.3 billion in owner occupied loans, and $1.7 billion in investor nonfarm nonresidential loans. EagleBank ranks 115 nationally by total CRE loans. Its CRE balance declined -23.7% year over year, and commercial real estate represents 69.8% of its total loans. These figures describe the reported portfolio, not current loan terms or approval criteria.
Which Maryland banks follow EagleBank in the ranking?
CFG Bank ranks second with $2.9 billion in total CRE loans, and Shore United Bank, N.A. ranks third with $2.9 billion. Forbright Bank ranks fourth with $2.8 billion, followed by Capital Bank, N.A. with $1.5 billion. Their recent changes differ: CFG Bank grew +2.6%, Shore United Bank grew +0.3%, Forbright Bank grew +41.1%, and Capital Bank, N.A. grew +8.9% year over year. The top five institutions collectively account for 73.3% of total CRE loans held by Maryland headquartered banks, showing that reported balances are concentrated among a small group of institutions.
What loans are included in the commercial real estate totals?
The totals combine four categories reported on FDIC Call Report schedule RC-C: construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. Across the 25 banks in the table, those categories total $2.9 billion, $2.3 billion, $6.6 billion, and $8.3 billion, respectively. Combined total CRE loans are $20.2 billion. The categories provide a consistent accounting view of each institution’s portfolio, but they do not identify individual properties, borrowers, locations, loan maturities or current underwriting requirements. A bank’s balance in a category therefore shows reported exposure rather than an offer to make a new loan.
How current is the Maryland CRE bank ranking?
The loan balances come from FDIC Call Reports as of June 30, 2026. Branch and deposit information comes from the FDIC Summary of Deposits 2026. Call Reports are periodic regulatory filings, so balances represent a reporting date rather than a live lending pipeline. The ranking should be read as a current comparative snapshot of reported portfolios, recent year over year movement and concentration. Conditions may change after the reporting date as loans are originated, repaid, sold or reclassified. Borrowers should confirm present appetite and requirements directly with each institution before relying on its position in the table.
What interest rate benchmarks were current when this page was published?
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 are market benchmarks, not quoted loan rates from the ranked banks. An actual commercial mortgage rate may reflect the selected benchmark plus a lender spread, as well as property, borrower and structural considerations. The FDIC data does not show current pricing for new loans. Borrowers comparing lenders should request proposals on the same transaction and confirm the benchmark, spread and other economic terms used in each proposal.
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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.