Oregon’s 13 headquartered banks reported $29.9 billion in total commercial real estate loans as of June 30, 2026. Columbia Bank accounts for the largest portfolio at $26.4 billion and ranks 18 nationally. Summit Bank is second with $799.8 million, followed by People’s Bank of Commerce with $450.9 million and Oregon Pacific Bank with $450.1 million. The table covers construction and land, multifamily, owner occupied real estate, and investor nonfarm nonresidential loans. BestCRE ranks institutions by total CRE loans using FDIC Call Reports, schedule RC-C. The figures describe each bank’s reported portfolio, not its current approval criteria or available loan terms.
The ranking includes only banks headquartered in Oregon, so it should not be read as a complete list of institutions lending in the state. Banks based elsewhere can serve Oregon through local branches, while debt funds, life companies, CMBS, agency and SBA lenders do not appear in bank call reports. Within the ranked group, total CRE loans increased +31.6% year over year, and the top five banks hold 94.9% of state headquartered CRE loans. That concentration makes the distinction between portfolio size and lender availability important. Borrowers should use the table to identify relevant banks, then confirm current interest, property fit and underwriting requirements directly.
Oregon banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | Columbia Bank | Roseburg, OR | $26,361 | $2,030 | $10,274 | $6,893 | +36.5% | 55.8% |
| 2 | Summit Bank | Eugene, OR | $800 | $38.0 | $146 | $309 | +8.1% | 69.1% |
| 3 | People’s Bank of Commerce | Medford, OR | $451 | $32.2 | $93.2 | $172 | +3.5% | 75.2% |
| 4 | Oregon Pacific Banking Company dba Oregon Pacific Bank | Florence, OR | $450 | $32.9 | $64.7 | $116 | +1.5% | 73.8% |
| 5 | Pioneer Trust Bank, N.A. | Salem, OR | $340 | $27.7 | $58.9 | $155 | -0.2% | 66.0% |
| 6 | Evergreen Federal Bank | Grants Pass, OR | $282 | $31.5 | $40.1 | $72.4 | +0.8% | 57.3% |
| 7 | Willamette Valley Bank | Salem, OR | $257 | $12.2 | $90.7 | $47.8 | +1.1% | 84.6% |
| 8 | Citizens Bank | Corvallis, OR | $210 | $10.3 | $30.2 | $76.0 | +7.4% | 53.8% |
| 9 | Pacific West Bank | WEST LINN, OR | $189 | $5.7 | $36.3 | $58.9 | +3.8% | 71.3% |
| 10 | First Federal Savings and Loan Association of McMinnville | Mcminnville, OR | $165 | $19.1 | $55.3 | $56.9 | +7.9% | 38.8% |
| 11 | Bank of Eastern Oregon | Heppner, OR | $151 | $23.1 | $14.7 | $69.4 | +7.4% | 22.0% |
| 12 | Oregon Coast Bank | Newport, OR | $131 | $13.7 | $17.5 | $19.6 | -4.3% | 49.1% |
| 13 | Clackamas County Bank | Sandy, OR | $127 | $8.1 | $47.4 | $13.7 | +6.1% | 81.2% |
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.
Columbia Bank stands apart with $26.4 billion in total CRE loans, +36.5% year over year growth and a 55.8% CRE share of total loans. Its $10.3 billion multifamily portfolio is also the table’s largest. Summit Bank, with $799.8 million in CRE loans, reports a 69.1% CRE share and an investor CRE to equity ratio of 3.24x. Several smaller banks show still higher loan concentration. Willamette Valley Bank reports an 84.6% CRE share, while Clackamas County Bank reports 81.2%. Oregon Pacific Bank has the highest investor CRE to equity ratio shown, at 3.84x, followed by Clackamas County Bank at 3.61x and Pacific West Bank at 3.60x. Growth varies across the table. Summit Bank increased +8.1%, while Pioneer Trust Bank declined -0.2% and Oregon Coast Bank declined -4.3%.
Out of state banks with branches in Oregon
| Bank | Headquarters state | Branches in Oregon | Deposits in Oregon ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| U.S. Bank, N.A. | Ohio | 114 | $22,237 | $50,718 |
| Bank of America, N.A. | North Carolina | 35 | $13,904 | $79,906 |
| Wells Fargo Bank, N.A. | South Dakota | 73 | $12,767 | $121,623 |
| JPMorgan Chase Bank, N.A. | Ohio | 80 | $11,948 | $179,847 |
| KeyBank, N.A. | Ohio | 61 | $5,979 | $17,153 |
| Banner Bank | Washington | 31 | $3,143 | $7,532 |
| WaFd Bank | Washington | 36 | $2,648 | $10,190 |
| First Interstate Bank | Montana | 33 | $2,428 | $8,497 |
| BMO Bank, N.A. | Illinois | 21 | $1,221 | $28,802 |
| Heritage Bank | Washington | 6 | $855 | $3,863 |
| Washington Trust Bank | Washington | 2 | $401 | $3,536 |
| Northwest Bank | Idaho | 2 | $380 | $527 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Oregon only; CRE loans are bank wide.
Portfolio size and growth help borrowers narrow a loan search
A larger CRE portfolio can indicate greater appetite and hold capacity, while the portfolio mix helps identify the property categories in which a bank is most active. Year over year growth shows which institutions are adding CRE loans. These measures are useful screening tools, but they do not establish that a bank will finance a particular property. Columbia Bank’s $26.4 billion portfolio and Summit Bank’s $799.8 million portfolio place them first and second among Oregon headquartered banks, but borrowers should also review the relevant loan category rather than relying only on total size.
Concentration adds another screening dimension. A bank with a large CRE share or a high investor CRE to equity ratio may be selective even when its reported portfolio is substantial. Bank lending is relationship driven and local, so headquarters, branch access and an existing banking relationship can matter during outreach. Borrowers can use the ranking to assemble a practical call list, compare the reported size and direction of each portfolio, and ask each institution about current interest. The table does not describe pricing, leverage, recourse or approval timing.
Get your deal in front of the right lenders in Oregon
Tell BestCRE about the property, the loan amount and the timeline. We package the request and bring back term sheets from banks, debt funds, life companies, CMBS, agency and SBA lenders, so you compare more than the bank down the street.
Tell Us About Your DealHow BestCRE Capital WorksLoan mix identifies the categories carrying each portfolio
The 13 ranked banks report $2.3 billion in construction and land loans, $11.0 billion in multifamily loans, $8.1 billion in owner occupied loans and $8.6 billion in investor nonfarm nonresidential loans. Columbia Bank leads each category by balance, including $2.0 billion in construction and land, $10.3 billion in multifamily, $6.9 billion in owner occupied property and $7.2 billion in investor nonfarm nonresidential loans. Among the smaller institutions, category weights differ. Summit Bank reports $308.9 million in owner occupied loans and $306.8 million in investor nonfarm nonresidential loans.
Oregon Pacific Bank reports $237.0 million in investor nonfarm nonresidential loans, its largest category, while Pioneer Trust Bank reports $154.9 million in owner occupied loans. Willamette Valley Bank has $90.7 million in multifamily loans within a $256.6 million CRE portfolio. Concentration measures provide context for those balances. Bank of Eastern Oregon has the lowest investor CRE to equity ratio in the table at 0.76x, while Oregon Pacific Bank reports 3.84x. These ratios can be described as low or high relative to the other ranked banks, but they do not show whether a specific request will be approved.
Oregon borrowers can compare local banks with broader capital sources
Several banks headquartered outside Oregon maintain substantial branch networks and deposits in the state. U.S. Bank has 114 Oregon branches and $22.2 billion in state deposits. JPMorgan Chase Bank has 80 branches and $11.9 billion in deposits, Wells Fargo Bank has 73 branches and $12.8 billion, and KeyBank has 61 branches and $6.0 billion. Their reported CRE totals cover all states, not Oregon alone. That distinction prevents a national portfolio from being mistaken for Oregon lending volume.
Other out of state institutions with Oregon branches include Bank of America, Banner Bank, WaFd Bank, First Interstate Bank, BMO Bank, Heritage Bank, Washington Trust Bank and Northwest Bank. Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders, which do not appear in FDIC bank call reports. Comparing several sources helps test availability across institution types and property categories. The appropriate call list depends on the transaction, while reported balances provide an initial measure of scale and activity rather than a commitment to lend.
Frequently Asked Questions
Which Oregon bank has the largest commercial real estate loan portfolio?
Columbia Bank has the largest CRE loan portfolio among banks headquartered in Oregon, with $26.4 billion as of June 30, 2026. It also ranks 18 nationally and reports +36.5% year over year CRE growth. Its portfolio includes $2.0 billion in construction and land loans, $10.3 billion in multifamily loans, $6.9 billion in owner occupied loans and $7.2 billion in investor nonfarm nonresidential loans. These balances establish its position in the ranking but do not indicate whether it will accept or approve a particular request.
Which Oregon headquartered banks reported the strongest CRE growth?
Columbia Bank reported the highest year over year change in the table at +36.5%. Summit Bank followed at +8.1%, First Federal Savings and Loan Association of McMinnville reported +7.9%, and both Citizens Bank and Bank of Eastern Oregon reported +7.4%. Growth indicates that reported CRE balances increased, but it does not identify the source of that increase or establish current lending availability. At the other end of the table, Pioneer Trust Bank reported -0.2%, while Oregon Coast Bank reported -4.3%.
Which Oregon banks report the most construction and land loans?
Columbia Bank reports $2.0 billion in construction and land loans, the largest balance among Oregon headquartered banks. Summit Bank reports $38.0 million, Oregon Pacific Bank reports $32.9 million, People’s Bank of Commerce reports $32.2 million, and Evergreen Federal Bank reports $31.5 million. The complete ranked group reports $2.3 billion in this category. Construction and land balances show the amount held on each bank’s call report as of June 30, 2026. They do not describe current construction loan programs, underwriting standards or terms.
How do Oregon’s leading banks rank nationally by CRE loans?
Columbia Bank ranks 18 nationally by total CRE loans, far ahead of the other Oregon headquartered institutions. Summit Bank ranks 524, People’s Bank of Commerce ranks 804, and Oregon Pacific Bank ranks 805. Pioneer Trust Bank ranks 1015. The national comparison covers 4,167 banks with $3.07 trillion in total CRE loans. A national rank provides context for portfolio scale, but it does not measure local market share, borrower experience or the probability of approval. BestCRE uses total reported CRE loans as the ranking measure.
What interest rate benchmarks provide context for CRE borrowing costs?
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 are market benchmarks, not quoted loan rates from the ranked banks. The FDIC portfolio data does not disclose the pricing available for a specific transaction. Borrowers can use the benchmarks as general market context when speaking with lenders, but actual borrowing costs and structures must be obtained directly from each potential capital source.
More BestCRE lender rankings
CRE lenders by state
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.