Nebraska’s largest locally headquartered commercial real estate bank lenders vary considerably in portfolio size, composition, growth and concentration. The 25 banks in the BestCRE table hold $23.0 billion in total CRE loans, including $5.4 billion in construction and land loans, $3.4 billion in multifamily loans, $5.3 billion in owner occupied loans and $8.8 billion in investor nonfarm nonresidential loans. BestCRE ranks institutions by total commercial real estate loans reported in FDIC Call Reports as of June 30, 2026. These balances cover each bank’s entire portfolio, including loans outside Nebraska, and do not represent commitments available to a particular borrower or property.
The broader group of 138 banks headquartered in Nebraska reports $28.0 billion in commercial real estate loans, up +6.4% year over year. The top five account for 51.8% of that total, showing that much of the state’s bank CRE exposure is concentrated among a small group of institutions. Nationally, 4,167 banks report $3.07 trillion in total CRE loans. The ranking should be treated as a starting point for identifying active banks, not as evidence that a lender will approve a specific request. Property type, location, borrower relationship and current portfolio constraints still shape a bank’s willingness to consider a transaction.
Nebraska banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | First National Bank of Omaha | Omaha, NE | $6,021 | $1,882 | $610 | $1,515 | +6.7% | 24.6% |
| 2 | Pinnacle Bank | Lincoln, NE | $3,511 | $827 | $635 | $653 | +6.2% | 51.4% |
| 3 | Union Bank and Trust Company | Lincoln, NE | $3,482 | $706 | $354 | $934 | +3.4% | 49.8% |
| 4 | Cornerstone Bank | York, NE | $764 | $150 | $230 | $216 | -14.8% | 36.5% |
| 5 | Security National Bank of Omaha | Omaha, NE | $700 | $101 | $86.5 | $191 | +2.3% | 50.8% |
| 6 | Security First Bank | Lincoln, NE | $691 | $93.6 | $165 | $163 | +28.3% | 43.6% |
| 7 | Five Points Bank | Grand Island, NE | $618 | $114 | $68.4 | $199 | +8.6% | 44.0% |
| 8 | Cornhusker Bank | Lincoln, NE | $590 | $78.0 | $123 | $110 | +6.9% | 69.1% |
| 9 | Dundee Bank | Omaha, NE | $558 | $191 | $110 | $106 | +27.6% | 65.0% |
| 10 | FirsTier Bank | Kimball, NE | $545 | $205 | $53.9 | $106 | +6.2% | 66.7% |
| 11 | Exchange Bank | Kearney, NE | $536 | $122 | $118 | $61.3 | +1.7% | 49.2% |
| 12 | Core Bank | Omaha, NE | $515 | $106 | $139 | $82.5 | -1.7% | 58.7% |
| 13 | Access Bank | Omaha, NE | $507 | $71.5 | $55.0 | $133 | +10.3% | 62.1% |
| 14 | West Gate Bank | Lincoln, NE | $474 | $129 | $111 | $54.2 | +3.8% | 44.4% |
| 15 | Adams Bank & Trust | Ogallala, NE | $443 | $67.1 | $27.3 | $101 | +6.0% | 48.3% |
| 16 | Elkhorn Valley Bank & Trust | Norfolk, NE | $392 | $61.9 | $107 | $61.1 | +13.3% | 36.1% |
| 17 | Enterprise Bank | Omaha, NE | $372 | $51.2 | $39.3 | $53.9 | +5.3% | 77.7% |
| 18 | Nebraskaland Bank | North Platte, NE | $338 | $24.0 | $69.2 | $111 | +2.8% | 45.9% |
| 19 | Dayspring Bank | Gothenburg, NE | $332 | $32.7 | $24.1 | $148 | +12.3% | 38.3% |
| 20 | Horizon Bank | Waverly, NE | $317 | $169 | $135 | $3.0 | +6.6% | 78.6% |
| 21 | BankFirst | Norfolk, NE | $297 | $127 | $7.7 | $53.2 | +7.7% | 40.6% |
| 22 | Midwest Bank | Pierce, NE | $278 | $32.3 | $41.7 | $37.9 | +5.3% | 30.5% |
| 23 | Riverstone Bank | Eagle, NE | $266 | $54.6 | $17.9 | $59.7 | +26.9% | 51.7% |
| 24 | First State Bank Nebraska | Lincoln, NE | $257 | $19.8 | $33.0 | $101 | +5.5% | 28.3% |
| 25 | Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $208 | $28.9 | $38.5 | $87.9 | +8.2% | 46.5% |
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 138 banks headquartered in Nebraska.
First National Bank of Omaha leads with $6.0 billion in CRE loans, including $2.0 billion in investor nonfarm nonresidential loans and $1.9 billion in construction and land loans. Pinnacle Bank and Union Bank and Trust Company follow with $3.5 billion each. Their mixes differ: Pinnacle Bank reports $635.3 million in multifamily loans, while Union Bank and Trust Company reports $934.5 million in owner occupied loans. Growth also varies. Security First Bank increased its CRE portfolio by +28.3%, Dundee Bank by +27.6% and Riverstone Bank by +26.9%, while Cornerstone Bank declined -14.8%. Concentration is another point of distinction. Enterprise Bank has 77.7% of its loans in CRE, compared with 24.6% at First National Bank of Omaha. Dundee Bank’s investor CRE to equity ratio is 5.11x, high relative to the other banks in the table, while First National Bank of Omaha reports 1.12x.
Out of state banks with branches in Nebraska
| Bank | Headquarters state | Branches in Nebraska | Deposits in Nebraska ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| Wells Fargo Bank, N.A. | South Dakota | 32 | $5,694 | $121,623 |
| U.S. Bank, N.A. | Ohio | 34 | $3,890 | $50,718 |
| Associated Bank, N.A. | Wisconsin | 23 | $2,947 | $10,594 |
| First Interstate Bank | Montana | 29 | $1,700 | $8,497 |
| BMO Bank, N.A. | Illinois | 29 | $1,176 | $28,802 |
| Equity Bank | Kansas | 7 | $721 | $2,532 |
| Bank of America, N.A. | North Carolina | 4 | $379 | $79,906 |
| JPMorgan Chase Bank, N.A. | Ohio | 15 | $354 | $179,847 |
| Points West Community Bank | Colorado | 7 | $248 | $179 |
| Northwest Bank | Iowa | 2 | $225 | $939 |
| UMB Bank, N.A. | Missouri | 1 | $195 | $15,713 |
| Bankers Trust Company | Iowa | 1 | $146 | $3,514 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Nebraska only; CRE loans are bank wide.
The ranking provides a starting point for a bank loan search
Total CRE loans indicate the size of a bank’s existing commercial property book. A larger balance can suggest greater appetite and hold capacity, while year over year growth identifies institutions that are adding CRE loans. First National Bank of Omaha reports $6.0 billion and +6.7% growth. Security First Bank is smaller at $691.1 million but reports +28.3% growth. Neither measure establishes that a bank will pursue a particular transaction, but both can help borrowers decide which institutions merit an initial call.
Borrowers should next compare portfolio mix with the property and purpose of the requested financing. Construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances show where a bank has accumulated exposure. Concentration can also signal that an institution may be selective as it manages its existing book. Bank lending remains relationship driven and local, so the most useful process is to contact several plausible lenders, describe the property and sponsorship clearly, and ask whether the request fits current priorities and capacity.
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First National Bank of Omaha has the largest construction and land balance in the ranking at $1.9 billion and the largest investor nonfarm nonresidential balance at $2.0 billion. Pinnacle Bank reports $635.3 million in multifamily loans, while Union Bank and Trust Company reports $1.5 billion in investor nonfarm nonresidential loans and $934.5 million in owner occupied loans. Farther down the table, Horizon Bank’s $316.9 million CRE portfolio consists largely of $168.7 million in construction and land loans and $135.1 million in multifamily loans.
CRE share of total loans and investor CRE to equity provide separate views of concentration. Horizon Bank reports a 78.6% CRE share, Enterprise Bank reports 77.7%, and Cornhusker Bank reports 69.1%. Their portfolio sizes and mixes remain different, so the concentration figures should not be read in isolation. Investor CRE to equity is 5.11x at Dundee Bank, 4.94x at Enterprise Bank and 4.66x at Cornhusker Bank, all high relative to many banks in the table. A concentrated bank may still be active, but borrowers should expect portfolio composition to matter when the institution evaluates another CRE exposure.
Out of state banks and nonbank lenders broaden the comparison
This ranking covers banks headquartered in Nebraska. Banks based elsewhere also lend through Nebraska branches, but their reported CRE balances cover all states. Wells Fargo Bank, N.A., headquartered in South Dakota, has 32 Nebraska branches, $5.7 billion in Nebraska deposits and $121.6 billion in total CRE loans. U.S. Bank, N.A., headquartered in Ohio, has 34 branches, $3.9 billion in deposits and $50.7 billion in CRE loans. Associated Bank, N.A. has 23 branches, $2.9 billion in deposits and $10.6 billion in CRE loans.
Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders, none of which appear in bank call reports. These sources may evaluate properties and borrowers under different frameworks, so a broad comparison can reveal which channel fits the requested property type and transaction. Current benchmarks provide context for that process: as of Oct 26, 2026, the Prime rate is 7.00%, SOFR is 3.89%, the 5 year Treasury is 4.78%, the 10 year Treasury is 4.96% and Fed funds is 3.88%. These benchmarks are not offers from the ranked banks.
Frequently Asked Questions
Which Nebraska bank has the largest commercial real estate loan portfolio?
First National Bank of Omaha ranks first among Nebraska headquartered banks with $6.0 billion in total CRE loans as of June 30, 2026. Its portfolio includes $1.9 billion in construction and land loans, $609.7 million in multifamily loans, $1.5 billion in owner occupied loans and $2.0 billion in investor nonfarm nonresidential loans. Its CRE book increased +6.7% year over year and represents 24.6% of total loans. The bank is also ranked 91 nationally by total CRE loans.
How does BestCRE define commercial real estate loans in this ranking?
BestCRE uses the CRE categories reported on schedule RC-C of the FDIC Call Reports. The total combines construction and land development, multifamily, owner occupied nonfarm nonresidential, and investor nonfarm nonresidential loans. Across the 25 ranked banks, those categories total $5.4 billion, $3.4 billion, $5.3 billion and $8.8 billion, respectively, producing $23.0 billion in total CRE loans. The figures are reported bankwide and therefore are not limited to properties located in Nebraska.
What does a bank’s national CRE rank mean?
The national rank compares a Nebraska headquartered bank’s total CRE loans with those reported by all 4,167 banks in the FDIC data. First National Bank of Omaha ranks 91 nationally with $6.0 billion, Pinnacle Bank ranks 139 with $3.5 billion, and Union Bank and Trust Company ranks 140 with $3.5 billion. The position measures portfolio size only. It does not score credit terms, service, approval likelihood, local market knowledge or the suitability of a bank for a specific transaction.
Which ranked Nebraska banks reported the fastest CRE growth?
Security First Bank reports the largest positive year over year change in the table at +28.3%, bringing total CRE loans to $691.1 million. Dundee Bank follows at +27.6% with $558.4 million, and Riverstone Bank reports +26.9% with $265.8 million. Growth shows that these banks added CRE balances over the period, but it does not identify the source of that change or indicate future lending. Borrowers should consider growth alongside portfolio mix, CRE concentration and the size of the existing loan book.
How current are the Nebraska commercial lender rankings?
The loan balances, growth measures and concentration figures are based on FDIC Call Reports as of June 30, 2026. Nebraska branch and deposit information comes from the FDIC Summary of Deposits 2026. Market benchmarks are more recent, dated Oct 26, 2026. On that date, SOFR is 3.89% and the 10 year Treasury is 4.96%. Reporting dates matter because bank portfolios and market benchmarks change. The ranking is a factual snapshot and should be paired with direct lender conversations about current interest and capacity.
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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.