New York has 108 headquartered banks with $197.5 billion in total commercial real estate loans. BestCRE ranks the leading institutions by total CRE loans reported in FDIC Call Reports as of June 30, 2026. The 25 banks in the table account for $170.6 billion, including $22.2 billion in construction and land loans, $66.8 billion in multifamily loans, $25.7 billion in owner occupied loans and $56.0 billion in investor nonfarm nonresidential loans. These balances describe each bank’s reported loan book, not the amount available for new originations or the geographic location of every property securing those loans.
The ranking is limited to banks headquartered in New York. It therefore differs from a list of every institution lending within the state. Large banks based elsewhere can maintain substantial New York branch networks and deposit operations while reporting their loan portfolios through headquarters in another state. Borrowers should use the table as a starting point for identifying banks with demonstrated CRE appetite, then compare that evidence with property type, location and relationship requirements. Bank lending remains relationship driven and local, and the largest balance sheet is not necessarily the best fit for a particular transaction. The figures also do not cover debt funds, life companies, CMBS, agency or SBA lenders.
New York banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Flagstar Bank, N.A. | Hicksville, NY | $35,271 | $1,370 | $26,922 | $2,509 | -17.5% | 57.6% |
| 2 | Manufacturers and Traders Trust Company | Buffalo, NY | $34,665 | $3,351 | $7,115 | $10,556 | +0.6% | 24.2% |
| 3 | Goldman Sachs Bank USA | New York, NY | $13,518 | $4,183 | $2,238 | $118 | +5.2% | 5.4% |
| 4 | Popular Bank | New York, NY | $7,760 | $1,344 | $2,053 | $2,119 | +4.6% | 65.9% |
| 5 | Dime Commercial Bank | Hauppauge, NY | $7,619 | $83.6 | $3,116 | $1,648 | -10.7% | 71.2% |
| 6 | Morgan Stanley Private Bank, N.A. | Purchase, NY | $6,931 | $0.0 | $1,514 | $90.0 | -5.4% | 3.7% |
| 7 | Apple Bank | New York, NY | $6,824 | $0.0 | $4,339 | $0.1 | +2.0% | 49.4% |
| 8 | Metropolitan Commercial Bank | New York, NY | $6,358 | $482 | $414 | $3,139 | +17.1% | 86.7% |
| 9 | Israel Discount Bank of New York | New York, NY | $5,735 | $610 | $1,205 | $1,601 | +4.2% | 57.5% |
| 10 | The Bank of New York Mellon | New York, NY | $4,820 | $1,383 | $1,555 | $0.0 | -5.8% | 10.3% |
| 11 | NBT Bank, N.A. | Norwich, NY | $4,692 | $476 | $1,496 | $997 | +1.9% | 39.5% |
| 12 | Deutsche Bank Trust Company Americas | New York, NY | $3,957 | $195 | $1,987 | $0.0 | -8.7% | 25.5% |
| 13 | Community Bank, N.A. | Canton, NY | $3,684 | $355 | $952 | $837 | +12.1% | 32.6% |
| 14 | Tompkins Bank & Trust | Ithaca, NY | $3,302 | $490 | $776 | $583 | +6.5% | 50.1% |
| 15 | Northfield Bank | STATEN ISLAND, NY | $3,173 | $30.9 | $2,284 | $398 | -6.8% | 85.5% |
| 16 | Bank Hapoalim B.M. | New York, NY | $2,983 | $1,919 | $1,064 | $0.0 | +20.0% | 34.7% |
| 17 | Banco Bilbao Vizcaya, S.a. | NEW YORK CITY, NY | $2,576 | $2,268 | $308 | $0.0 | +84.1% | 6.6% |
| 18 | Five Star Bank | Rochester, NY | $2,498 | $654 | $524 | $355 | +10.1% | 52.5% |
| 19 | Ridgewood Savings Bank | Ridgewood, NY | $2,435 | $0.0 | $2,038 | $0.0 | -1.6% | 49.9% |
| 20 | Ponce Bank, N.A. | Bronx, NY | $2,406 | $813 | $1,058 | $62.9 | +21.2% | 82.7% |
| 21 | Amalgamated Bank | New York, NY | $2,314 | $16.7 | $1,862 | $41.2 | +25.2% | 44.9% |
| 22 | Bank of China | New York, NY | $1,891 | $755 | $1,137 | $0.0 | -5.6% | 10.8% |
| 23 | Woori America Bank | New York, NY | $1,775 | $26.2 | $159 | $406 | -1.1% | 57.4% |
| 24 | NorthEast Community Bank | White Plains, NY | $1,764 | $1,402 | $327 | $0.0 | +5.8% | 92.0% |
| 25 | Habib American Bank | New York, NY | $1,644 | $0.0 | $311 | $199 | +16.5% | 85.5% |
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 108 banks headquartered in New York.
Flagstar Bank, N.A. and Manufacturers and Traders Trust Company lead the table with $35.3 billion and $34.7 billion in CRE loans. Their mixes differ sharply. Flagstar reports $26.9 billion in multifamily loans, while Manufacturers and Traders Trust Company reports $13.6 billion in investor nonfarm nonresidential loans and $10.6 billion in owner occupied loans. Goldman Sachs Bank USA ranks third with $13.5 billion, including $4.2 billion in construction and land loans. Growth also varies. Banco Bilbao Vizcaya, S.a. reports +84.1%, while Flagstar reports -17.5%. Metropolitan Commercial Bank combines +17.1% growth with an 86.7% CRE share of loans. Concentration measures show another distinction: Habib American Bank reports investor CRE equal to 5.73x equity, compared with 0.16x at The Bank of New York Mellon. A high ratio relative to peers can indicate that a bank will be selective despite an established CRE book.
Out of state banks with branches in New York
| Bank | Headquarters state | Branches in New York | Deposits in New York ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| JPMorgan Chase Bank, N.A. | Ohio | 576 | $970,263 | $179,847 |
| Bank of America, N.A. | North Carolina | 251 | $127,455 | $79,906 |
| Citibank, N.A. | South Dakota | 214 | $108,336 | $26,036 |
| HSBC Bank USA, N.A. | Virginia | 8 | $106,878 | $1,637 |
| Wells Fargo Bank, N.A. | South Dakota | 87 | $55,236 | $121,623 |
| TD Bank, N.A. | Delaware | 231 | $54,791 | $30,408 |
| KeyBank, N.A. | Ohio | 228 | $32,116 | $17,153 |
| Capital One, N.A. | Virginia | 76 | $29,050 | $24,111 |
| Citizens Bank, N.A. | Rhode Island | 170 | $26,734 | $26,949 |
| Webster Bank, N.A. | Connecticut | 76 | $25,401 | $22,551 |
| City National Bank | California | 6 | $19,190 | $16,549 |
| Customers Bank | Pennsylvania | 1 | $12,060 | $6,436 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for New York only; CRE loans are bank wide.
The ranking provides a starting point for a loan search
Total CRE loans indicate the scale of a bank’s existing commercial property book. A larger balance can signal greater appetite and hold capacity, while the category breakdown shows where that exposure sits. Borrowers can compare construction and land, multifamily, owner occupied and investor nonfarm nonresidential balances to identify institutions already active in the relevant property category. Year over year change adds another dimension by showing which banks are adding or reducing reported CRE loans.
Concentration should be read alongside size and growth. CRE share of total loans shows how important commercial property lending is within the broader loan portfolio, while investor CRE to equity compares investor commercial real estate loans with total equity capital. A bank with high concentration relative to others in the table may still be an active lender, but it can be more selective. Borrowers should approach several plausible banks because relationship history, local presence and the specific transaction can affect fit even when reported portfolio figures look similar.
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Tell Us About Your DealHow BestCRE Capital WorksLoan mix identifies each bank’s strongest reported activity
The category balances reveal distinct areas of activity. Apple Bank reports $4.3 billion of multifamily loans within a $6.8 billion CRE book. Northfield Bank reports $2.3 billion of multifamily loans and a total CRE concentration of 85.5% of loans. Metropolitan Commercial Bank shows a different mix, with $3.1 billion in owner occupied loans from $6.4 billion in total CRE loans. Bank Hapoalim B.M. reports $1.9 billion in construction and land loans within a $3.0 billion portfolio.
Concentration measures add context to those balances. NorthEast Community Bank reports CRE equal to 92.0% of total loans and investor CRE equal to 5.02x equity. Habib American Bank reports an 85.5% CRE share and investor CRE equal to 5.73x equity. By contrast, Goldman Sachs Bank USA reports a 5.4% CRE share and investor CRE equal to 0.22x equity. These figures do not state current credit availability, but they help borrowers distinguish specialized CRE balance sheets from banks where CRE represents a smaller part of lending.
New York borrowers have additional bank and nonbank options
Banks headquartered outside New York can still be significant local competitors. JPMorgan Chase Bank, N.A., headquartered in Ohio, has 576 branches and $970.3 billion of deposits in New York, with $179.8 billion in total CRE loans across all states. Bank of America, N.A. has 251 New York branches and $127.5 billion in state deposits. Citibank, N.A. has 214 branches and $108.3 billion in deposits, while TD Bank, N.A. has 231 branches and $54.8 billion in deposits. Their nationwide CRE totals are not New York loan balances.
Borrowers should also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. These lender types do not appear in bank call reports, so this ranking cannot describe the full financing market. Comparing several sources helps a borrower test which lender category fits the property, requested loan structure and relationship profile. The bank table remains useful because it shows reported scale, mix, growth and concentration on a consistent FDIC basis, but those measures should support a broader search rather than serve as the sole selection criterion.
Frequently Asked Questions
What data does BestCRE use to rank New York CRE lenders?
BestCRE uses FDIC Call Reports, formally the Reports of Condition and Income, with loan balances drawn from schedule RC-C as of June 30, 2026. The ranking orders New York headquartered banks by total commercial real estate loans. Branch and deposit information comes from the FDIC Summary of Deposits 2026. The resulting figures describe reported bank portfolios at a point in time. They do not represent lending commitments, quotes or approvals, and they do not identify where every underlying property is located. The table covers 25 banks from the 108 banks headquartered in New York.
How much CRE lending is represented in the table?
The 25 ranked banks report $170.6 billion in total CRE loans. That amount includes $22.2 billion in construction and land loans, $66.8 billion in multifamily loans, $25.7 billion in owner occupied loans and $56.0 billion in investor nonfarm nonresidential loans. For context, all 108 banks headquartered in New York report $197.5 billion in CRE loans, with a year over year change of -0.9%. The top five account for 50.0% of CRE loans held by banks headquartered in the state. These totals measure outstanding portfolio balances, not current lending capacity.
How do New York’s leading banks rank nationally?
Flagstar Bank, N.A. holds national rank 10 with $35.3 billion in CRE loans, while Manufacturers and Traders Trust Company holds national rank 11 with $34.7 billion. Goldman Sachs Bank USA is national rank 37 with $13.5 billion. Popular Bank and Dime Commercial Bank are national ranks 71 and 72, with $7.8 billion and $7.6 billion respectively. National placement provides context for portfolio scale across the 4,167 banks reporting $3.07 trillion in total CRE loans. It does not measure loan pricing, approval likelihood or the quality of a bank for a specific borrower.
When were the lender balances last measured?
The lender balances are measured as of June 30, 2026, using FDIC Call Reports. Because call report figures are point in time accounting balances, later originations, repayments, sales and portfolio changes are not reflected. Year over year figures compare each bank’s reported CRE balance with the corresponding earlier period. For example, Community Bank, N.A. reports +12.1%, while Deutsche Bank Trust Company Americas reports -8.7%. Those changes show portfolio direction over the measured period, but they do not establish whether a bank is currently quoting or approving a particular type of loan.
What benchmark rates were in effect 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 benchmarks provide market context but are not bank loan quotes. The ranking is based on reported CRE loan balances as of June 30, 2026, not on interest rates or pricing. A bank’s position therefore should not be interpreted as evidence that it offers a lower rate. Borrowers need current terms from potential lenders and should compare those terms across bank and nonbank sources.
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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.