Pennsylvania borrowers have a broad group of locally headquartered banks with meaningful commercial real estate portfolios. The 25 banks in the table hold $73.4 billion in total CRE loans, including $9.9 billion in construction and land loans, $12.8 billion in multifamily loans, $18.1 billion in owner occupied loans and $32.6 billion in investor nonfarm nonresidential loans. BestCRE ranks these institutions by total CRE loans as of June 30, 2026. The results show the scale of each bank’s CRE book, the types of properties represented in that book, recent growth, CRE concentration and investor CRE relative to equity capital.
The ranking covers banks headquartered in Pennsylvania, rather than every institution that lends within the state. Pennsylvania had 108 headquartered banks with $88.9 billion in total CRE loans, up +6.1% year over year. The top five held 40.6% of that total. Nationally, 4,167 banks reported $3.07 trillion in CRE loans. FDIC Call Reports provide institution level balances from schedule RC-C, while the FDIC Summary of Deposits 2026 identifies branch and deposit presence. Because call reports are filed by bank, a Pennsylvania bank’s reported CRE balance can include loans secured by properties in other states.
Pennsylvania banks ranked by total CRE loans
| Rank | Bank | Headquarters | Total CRE loans ($M) | Construction and land ($M) | Multifamily ($M) | Owner occupied ($M) | Change, 1 year | CRE share of loans |
|---|---|---|---|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | Greenville, PA | $12,016 | $2,660 | $885 | $3,308 | -4.7% | 33.4% |
| 2 | Fulton Bank, N.A. | Lancaster, PA | $10,083 | $885 | $1,563 | $3,553 | +0.1% | 41.3% |
| 3 | Customers Bank | Malvern, PA | $6,436 | $193 | $2,661 | $1,871 | +22.7% | 35.7% |
| 4 | S&T Bank | Indiana, PA | $3,970 | $501 | $728 | $349 | +0.6% | 49.2% |
| 5 | First Commonwealth Bank | Indiana, PA | $3,585 | $505 | $637 | $757 | -6.3% | 37.7% |
| 6 | TriState Capital Bank | Pittsburgh, PA | $3,436 | $200 | $931 | $171 | +0.2% | 17.6% |
| 7 | Mid Penn Bank | Millersburg, PA | $3,297 | $418 | $446 | $831 | +15.1% | 58.5% |
| 8 | Univest Bank and Trust Co. | Souderton, PA | $3,220 | $327 | $395 | $943 | +6.3% | 45.6% |
| 9 | CNB Bank | Clearfield, PA | $3,090 | $473 | $625 | $648 | +30.4% | 47.5% |
| 10 | Dollar Bank, Federal Savings Bank | Pittsburgh, PA | $2,765 | $607 | $371 | $285 | +11.7% | 27.9% |
| 11 | Northwest Bank | Warren, PA | $2,596 | $143 | $466 | $639 | -0.5% | 19.6% |
| 12 | Orrstown Bank | Harrisburg, PA | $2,455 | $240 | $230 | $679 | +6.4% | 59.6% |
| 13 | Peoples Security Bank and Trust Company | Dunmore, PA | $2,266 | $327 | $435 | $579 | +8.5% | 52.7% |
| 14 | Firstrust Savings Bank | Conshohocken, PA | $2,134 | $543 | $125 | $427 | +8.8% | 46.1% |
| 15 | ACNB Bank | Gettysburg, PA | $1,292 | $115 | $148 | $394 | +0.6% | 53.2% |
| 16 | Citizens & Northern Bank | Wellsboro, PA | $1,238 | $156 | $171 | $352 | +22.0% | 52.6% |
| 17 | First Citizens Community Bank | Mansfield, PA | $1,163 | $93.2 | $256 | $236 | +7.8% | 48.4% |
| 18 | Penn Community Bank | Doylestown, PA | $1,163 | $186 | $468 | $205 | +7.7% | 52.2% |
| 19 | Meridian Bank | Wayne, PA | $1,127 | $350 | $102 | $355 | +6.6% | 50.5% |
| 20 | NEXTIER BANK, N.A. | Kittanning, PA | $1,097 | $156 | $334 | $141 | +1.5% | 49.7% |
| 21 | QNB Bank | Quakertown, PA | $1,085 | $142 | $211 | $258 | +47.5% | 63.2% |
| 22 | Wayne Bank | Honesdale, PA | $1,012 | $130 | $85.6 | $446 | +42.6% | 44.7% |
| 23 | Farmers and Merchants Trust Company of Chambersburg | Chambersburg, PA | $984 | $275 | $124 | $148 | +8.6% | 61.0% |
| 24 | Kish Bank | Belleville, PA | $934 | $163 | $307 | $140 | +10.7% | 52.4% |
| 25 | The Fidelity Deposit and Discount Bank | Dunmore, PA | $925 | $94.8 | $59.3 | $373 | +21.4% | 44.3% |
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 Pennsylvania.
First National Bank of Pennsylvania leads with $12.0 billion in CRE loans, including $5.2 billion in investor nonfarm nonresidential loans and $3.3 billion in owner occupied loans. Fulton Bank, N.A. follows with $10.1 billion, while Customers Bank ranks third with $6.4 billion and the largest multifamily balance among those three at $2.7 billion. Recent growth varies sharply. QNB Bank reported +47.5%, Wayne Bank +42.6% and CNB Bank +30.4%, while First Commonwealth Bank reported -6.3% and First National Bank of Pennsylvania reported -4.7%. Concentration also differs. TriState Capital Bank has CRE equal to 17.6% of total loans, compared with 63.2% at QNB Bank. Kish Bank’s investor CRE to equity ratio is 4.53x, high relative to the other banks in the table, while Northwest Bank’s 0.98x is low relative to the group.
Out of state banks with branches in Pennsylvania
| Bank | Headquarters state | Branches in Pennsylvania | Deposits in Pennsylvania ($M) | Total CRE loans, all states ($M) |
|---|---|---|---|---|
| PNC Bank, N.A. | Delaware | 259 | $140,150 | $47,133 |
| Wells Fargo Bank, N.A. | South Dakota | 168 | $39,169 | $121,623 |
| Citizens Bank, N.A. | Rhode Island | 213 | $34,920 | $26,949 |
| Bank of America, N.A. | North Carolina | 72 | $23,180 | $79,906 |
| TD Bank, N.A. | Delaware | 71 | $20,701 | $30,408 |
| Manufacturers and Traders Trust Company | New York | 150 | $16,341 | $34,665 |
| Truist Bank | North Carolina | 136 | $15,128 | $51,018 |
| Santander Bank, N.A. | Delaware | 63 | $14,615 | $17,133 |
| Wilmington Savings Fund Society, FSB | Delaware | 51 | $8,043 | $7,355 |
| KeyBank, N.A. | Ohio | 85 | $7,310 | $17,153 |
| The Huntington National Bank | Ohio | 47 | $5,690 | $37,932 |
| JPMorgan Chase Bank, N.A. | Ohio | 108 | $3,927 | $179,847 |
Source: FDIC Summary of Deposits 2026. Deposits and branches are for Pennsylvania only; CRE loans are bank wide.
The ranking provides a starting point for a bank loan search
A large CRE book can indicate appetite and capacity to hold commercial property loans, but size alone does not identify the right lender for a particular transaction. Borrowers can begin with total CRE loans, then compare the relevant property category, recent growth and concentration. First National Bank of Pennsylvania has the largest portfolio at $12.0 billion, while Fulton Bank, N.A. has $10.1 billion and Customers Bank has $6.4 billion. These balances establish scale, not specific approval criteria or available terms.
Bank lending remains relationship driven and local. Borrowers should use headquarters, branch access and portfolio composition to develop a practical call list, then speak with several banks about the property, sponsorship and requested structure. Growth can identify institutions adding CRE balances, while a high CRE share or investor CRE to equity ratio can signal that a bank may be selective. The figures describe reported portfolios as of June 30, 2026 and do not establish whether a bank will pursue any individual loan.
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The portfolio categories show where each bank has accumulated loans. First National Bank of Pennsylvania reports $2.7 billion in construction and land loans, the largest category balance within its $12.0 billion CRE book after investor nonfarm nonresidential and owner occupied loans. Customers Bank reports $2.7 billion in multifamily loans within a $6.4 billion portfolio. Fulton Bank, N.A. reports $3.6 billion in owner occupied loans, compared with $1.6 billion in multifamily and $4.1 billion in investor nonfarm nonresidential loans.
Concentration measures add context to those balances. Orrstown Bank reports CRE equal to 59.6% of total loans and an investor CRE to equity ratio of 2.84x. Mid Penn Bank reports 58.5% and 2.83x, while S&T Bank reports 49.2% and 2.64x. Dollar Bank, Federal Savings Bank has a lower CRE share of 27.9% and an investor CRE to equity ratio of 1.89x. These measures help borrowers compare portfolio emphasis, but they do not reveal current underwriting standards or transaction level availability.
Out of state banks and nonbank lenders expand the field
Banks headquartered elsewhere also lend in Pennsylvania through local branches, but they are not included in the ranked table. PNC Bank, N.A., headquartered in Delaware, has 259 Pennsylvania branches, $140.2 billion in deposits in the state and $47.1 billion in total CRE loans across all states. Wells Fargo Bank, N.A. has 168 branches, $39.2 billion in Pennsylvania deposits and $121.6 billion in total CRE loans. Citizens Bank, N.A. has 213 branches, $34.9 billion in state deposits and $26.9 billion in total CRE loans.
Borrowers can also compare banks with debt funds, life companies, CMBS, agency and SBA lenders. These nonbank sources do not appear in bank call reports, so this ranking cannot measure their lending volume or terms. Comparing several sources matters because lender type, portfolio capacity and property category can affect whether a transaction fits a lender’s current activity. A useful search can include Pennsylvania headquartered banks, out of state banks with local branches and relevant nonbank lender types, followed by direct discussions about the proposed loan.
Frequently Asked Questions
How did BestCRE rank Pennsylvania commercial real estate lenders?
BestCRE ranked banks headquartered in Pennsylvania by total commercial real estate loans reported as of June 30, 2026. The underlying source is FDIC Call Reports, formally Reports of Condition and Income, including schedule RC-C. The FDIC Summary of Deposits 2026 supplies branch and deposit information used to distinguish locally headquartered banks from out of state banks operating in Pennsylvania. The ranking measures the size of each bank’s reported CRE portfolio across all states. It does not measure Pennsylvania property originations, quoted loan terms, approval volume or the likelihood that a bank will fund a particular request.
Which Pennsylvania headquartered bank has the most CRE loans?
First National Bank of Pennsylvania ranks first with $12.0 billion in total CRE loans as of June 30, 2026. Its portfolio includes $2.7 billion in construction and land loans, $884.7 million in multifamily loans, $3.3 billion in owner occupied loans and $5.2 billion in investor nonfarm nonresidential loans. CRE represents 33.4% of its total loans, and its investor CRE to equity ratio is 1.28x. The bank’s CRE balance changed -4.7% year over year. It ranks 39 nationally by total CRE loans among the institutions covered by FDIC Call Reports.
Which ranked banks reported the strongest CRE growth?
QNB Bank reported the highest year over year CRE change in the table at +47.5%, followed by Wayne Bank at +42.6% and CNB Bank at +30.4%. Customers Bank reported +22.7%, Citizens & Northern Bank reported +22.0% and The Fidelity Deposit and Discount Bank reported +21.4%. Growth identifies banks whose reported CRE balances increased, but it does not show whether that increase came from new originations, purchases or other portfolio changes. It also does not indicate that the same pace continued after June 30, 2026 or that a bank is currently accepting a particular transaction type.
What interest rate benchmarks should CRE borrowers monitor?
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 when borrowers evaluate financing, but the ranking does not report bank pricing or connect any institution to a specific benchmark. Call reports show outstanding loan balances and portfolio composition rather than current quotes. Borrowers should obtain direct proposals and compare the benchmark, spread, fees and other terms stated by each prospective lender or nonbank source.
Does the ranking include every commercial real estate lender in Pennsylvania?
No. The table includes 25 banks headquartered in Pennsylvania and ranks them by total CRE loans. Pennsylvania has 108 headquartered banks with $88.9 billion in CRE loans, so the table is not a complete list of every local institution. It also excludes out of state banks from the ranking even when they maintain Pennsylvania branches. Bank of America, N.A., for example, has 72 branches and $23.2 billion in Pennsylvania deposits, while JPMorgan Chase Bank, N.A. has 108 branches and $3.9 billion in state deposits. Debt funds, life companies, CMBS, agency and SBA lenders are also outside FDIC bank call reports.
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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.